Cash Flow Template for Small Business, Excel and Google Sheets Spreadsheet, 12 Month Forecast vs Actual, Runway, Receivables

See how much cash your business has and how long it lasts, in one real Excel spreadsheet. Plan 12 months, enter what really happened and compare forecast vs actual. Track the invoices customers owe you and the bills you owe. Works in Microsoft Excel and Google Sheets. No macros, no subscription, no add-ons.

WHAT YOU GET
- Plantilla Excel Flujo de Caja.xlsx (Spanish version)
- Cash Flow Template for Small Business.xlsx (English version)
- Start Here guide (PDF, Spanish and English)

INSIDE THE SPREADSHEET
- Forecast: your plan for 12 months, with 6 cash in and 12 cash out categories you can rename.
- Actual: the real totals of each month. Customer payments and supplier payments fill themselves from the invoice sheets.
- Cash flow dashboard: opening and closing cash for each month, forecast vs actual, the difference, cash on hand and 2 charts.
- Runway: how many months your cash lasts at your recent pace, and how many months of expenses it covers.
- Receivables: your invoices to customers with due dates. Type the payment date and the invoice turns Paid. See what is overdue and the days late.
- Payables: your supplier bills, working the same way.
- Settings: rename your categories and set your currency symbol.

HOW IT WORKS
Type only in the red-header columns and the light yellow cells. Everything else is a formula. Example data from a made-up small business is included so you can see how it works; clear it and add your own in minutes. Months without actual data stay blank until you fill them.

GOOD TO KNOW
- Instant digital download. Nothing is shipped.
- Opens in Excel (Windows and Mac) and in Google Sheets via File > Import.
- Capacity: 12 months, 300 receivable invoices and 300 payable invoices. Save a copy to start a new year.
- Runway is an estimate based on your last 3 months with data.
- Helps you organize your business cash. It is not accounting, tax or financial advice.
- Personal and small business use. Please do not resell or share the file.

PAIRS WELL WITH
- Profit and Loss Statement: https://www.etsy.com/nz/listing/4586816982/profit-loss-statement-template-monthly
- Invoice Generator: https://www.etsy.com/nz/listing/4581949247/invoice-tracker-invoice-template-invoice