Businesses that forecast cash flow monthly are 3x more likely to survive their first five years, according to U.S. Bank research. This Cash Flow makes monthly forecasting a 20-minute habit instead of a day-long spreadsheet exercise.

What’s inside this Cash Flow template

• Daily, weekly, and monthly views — choose the granularity that matches your business rhythm
• Multiple account tracking — consolidate cash across several bank accounts in one total
• Tax reserve calculator — automatically sets aside a percentage of revenue for quarterly payments
• Year-on-year comparison — see whether cash flow is improving or deteriorating versus last year

How to use this Cash Flow template

1. Get access using the button above, then copy it to your Drive.
2. Set up your income categories — recurring, project-based, and occasional revenue separately.
3. Enter all fixed outgoings first so the baseline cash position is always accurate.
4. Update actuals each week as invoices are paid and bills are settled.
5. Use the variance column to understand why forecast and actual differ, and improve next month’s accuracy.

Why Google Sheets for Cash Flow?

Cash flow software tends to connect to your bank and automate the input — which sounds useful until the bank API breaks or the categorisation is wrong. This template keeps you in control of every number, which is exactly what cash flow management requires.

Frequently asked questions

Is this cash flow template free?

Yes — completely free. Enter your email above and the link is sent instantly. Make a copy in Google Drive and it is yours with no cost, no trial period.

How far ahead can I forecast with this template?

The template is set up for a 90-day rolling forecast. You can extend it to 12 months by adding columns — the formulas carry across automatically.

Can my accountant access this?

Yes. Share the Google Sheets link with view access and your accountant sees the same live forecast you do. No file sending, no version confusion.