Business Budget Template 2026 + 13 Week Cash Flow Forecast | Small Business Budget Spreadsheet, Budget vs Actual | Excel & Google Sheets

Small business budget and 13-week cash flow forecast: budget vs. actual, receivables, bills, recurring items, scenarios and a low-cash alert. Excel and Sheets.

WHAT YOU GET (instant digital download)
- Budget (12 months): revenue, cost of sales, gross margin, operating expenses, net profit, cash items not in profit (owner pay, loan principal, equipment, estimated tax) and net cash flow, with an owner-pay planner (profit - tax set-aside - loan and equipment vs. budgeted owner pay)
- Actuals and Budget vs Actual: pick a month to see budget, actual, variance $ and % for the month and year to date, flagged "Over budget", "Below budget", "Favorable" or "On track" by your % and $ thresholds
- Recurring (60 items): weekly, every 2 weeks, monthly, quarterly, annually or one-time items spread automatically across the 13 weeks
- Receivables (200) and Bills (200): expected collection date and probability, planned pay date, past-due items counted in week 1, "after week 13" memo
- 13-Week Cash Flow: opening cash, 3 receipt lines, 15 disbursement lines (payroll, payroll taxes, rent, suppliers, loan payments, owner draws, tax payments, equipment and more), net cash flow, ending cash, minimum cash, cushion and a weekly alert; base forecast, a one-off adjustments grid and an actual-bank-balance row
- Scenarios: Base, Conservative (90% in, 105% out, collections 1 week late), Optimistic and Custom
- Dashboard and Cash Tips: lowest cash week, weeks below minimum, week-13 cash, year-to-date budget vs. actual, two charts, and a weekly routine with 2026 and 2027 estimated tax dates

HOW IT WORKS
1. Download the files from your Etsy purchase page right after checkout.
2. Open the .xlsx in Excel, or upload it to Google Drive and open with Google Sheets. No macros, nothing to install.
3. Start on the "Start here" tab, then type in the yellow cells. Grey cells are formulas and recalculate for you. Each workbook comes in two copies: one with sample rows marked "Sample — delete" so you can see how it works, and one blank.

DETAILS
Built with SUMIFS, INDEX/MATCH and date math only: no macros, no scripts. The forecast rolls forward when you change the start date on Settings. Two copies: Example (a sample design studio, budget and actuals through September 2026, forecast from Oct. 26, 2026) and blank.

Important: a planning tool from your own numbers, not accounting software. It does not connect to your bank, file anything or give financial, tax or legal advice. The budget follows the method your books use; the forecast is cash only.

Last reviewed Oct. 23, 2026. Tax dates on the Cash Tips tab come from MFA’s verified 2026 data (IRS Form 1040-ES).

General information, not tax, legal or accounting advice. MFA is not affiliated with the IRS or any bank or software company.

Want a professional to build your forecast with you or review your numbers? Visit mfa-advisory.com or call (347) 205-4468.

This is a digital product: no physical item will be shipped. Because files are delivered instantly, all sales are final. If a file won't open, message us and we'll fix it.