Small Business Budgeting Spreadsheet | Cash Flow Forecast and Runway Planner | Excel + Google Sheets

Small Business Budgeting Spreadsheet for planning cash flow, tracking your financial outlook, and seeing where your business could be 13 weeks from now before a shortfall catches you off guard.

Use the built-in cash flow forecast and business runway planner to anticipate upcoming cash needs, compare future scenarios, and make better decisions before cash gets tight.

Designed for small-business owners who want a practical finance spreadsheet without complicated accounting software. Instead of only looking backward at what your business already earned or spent, this template helps you plan forward week by week.

WHAT THIS TEMPLATE HELPS YOU DO

• Forecast cash for the next 13 weeks
• Enter expected customer payments and other cash inflows
• Plan payroll, contractors, rent, overhead, taxes, debt payments, owner draws, and other expenses
• Automatically calculate weekly net cash change
• Track projected beginning and ending cash balances
• Set your own minimum cash threshold
• Identify weeks when cash could fall below your minimum
• See when projected cash could fall below $0
• Compare Conservative, Expected, and Growth scenarios
• Review all three scenarios side by side
• Track Actual vs. Forecast as each week closes
• See your lowest projected cash balance and lowest-cash week
• Use the built-in dashboard to spot cash pressure quickly

BUILT-IN DASHBOARD

Your dashboard automatically summarizes:

• Starting cash
• Lowest projected cash balance
• Lowest-cash week
• 13-week ending cash
• Cash runway to $0
• Minimum-cash runway
• Minimum cash threshold
• Selected scenario
• Cash-pressure warnings
• Conservative / Expected / Growth scenario comparison

3 BUILT-IN SCENARIOS

Conservative — lower projected inflows and higher projected outflows

Expected — your baseline weekly cash plan

Growth — higher projected inflows with additional growth-related spending

The scenario percentages are editable so you can adjust the assumptions to fit your business.

ACTUAL VS. FORECAST

Once a week is complete, enter your actual cash received and actual cash paid.

The workbook helps you compare your real results with your original forecast so you can refine future planning instead of starting over each week.

WHAT YOU RECEIVE

Your digital download includes:

• Excel workbook
• Google Sheets-ready workbook
• 5-page Quick Start Guide PDF
• Read Me First instructions

Everything is packaged together in one convenient ZIP file.

EASY TO USE

The workbook uses a simple color system:

Yellow cells = enter your information
Green cells = calculated automatically
Blue sections = instructions and reference information
Red/orange indicators = cash-pressure or warning areas

Example data is included so you can immediately see how the workbook works. Simply replace the yellow example cells with your own business figures.

COMPATIBILITY

Microsoft Excel: Open the included Excel workbook and save a working copy.

Google Sheets: Upload the Google Sheets-ready .xlsx file to Google Drive, open it with Google Sheets, and save it as a Google Sheets file if desired.

Minor formatting differences may occur when importing Excel files into Google Sheets.

WHO THIS IS FOR

This template can be useful for:

• Freelancers
• Consultants
• Agencies
• Service businesses
• Contractors
• Online businesses
• Small-business owners
• Solopreneurs
• Businesses with uneven or seasonal cash flow

PLEASE NOTE

This is a digital download only. No physical product will be shipped.

Because this is a digital product, please review the listing images and description carefully before purchasing.

This spreadsheet is intended for educational and business-planning purposes only. It does not replace professional accounting, tax, legal, investment, lending, or financial advice.

For best results, keep an untouched copy of the original download as a backup.

See your cash before it becomes a cash problem.