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Small Business Finance

Cash Flow Forecast & P&L

12-month cash flow forecast, actuals tracking and profit & loss for small business

Cash Flow Forecast & P&L: Google Sheets & Excel · 12-month forecast + actuals
Google Sheets & Excel · 12-month forecast + actuals
  • Cash Flow Forecast & P&L: Google Sheets & Excel · 12-month forecast + actuals
  • Your cash, 12 months ahead: Cash now, year-end cash, the lowest point — and early warnings
  • Forecast → actual, automatically: Each month switches to real numbers as soon as you log them
  • Best, base and worst case: See if cash goes negative — before it happens
  • Profit & loss, done for you: Gross, operating and net profit with margins — by month and by category
  • Plan 12 months in minutes: One row per category — totals and net cash flow update instantly
  • Log real numbers in seconds: Pick a category — type and direction fill in automatically
  • Cash and profit, kept apart: Loans, owner draws and equipment move cash — without distorting your P&L

from $19 on Etsy

Price on Etsy may vary (sales, your currency).

View on Etsy
  • Google Sheets + Excel versions included
  • Instant digital download, nothing is shipped
  • Sample data and a Start Here tab
  • One-time purchase, no subscription

Works in Google Sheets (free Google account) and Microsoft Excel 2016 or newer.

Know where your cash will be in 12 months — and see trouble coming before it hits your bank account. This Cash Flow Forecast & Profit and Loss spreadsheet turns your plan and your real numbers into one clear dashboard.

What's inside

  • Start Here

    Quick guide and settings: business name, currency, first month, opening cash, minimum cash buffer

  • Dashboard

    Cash now, year-end cash, lowest balance and when it happens, revenue, net profit, margins, month-by-month table, cash warnings, top 5 expenses, plan vs actual chart

  • Categories

    Up to 40 income and expense lines, each with a type (revenue, cost of sales, operating expense, other income/expense, or cash-only items like loans and owner draws)

  • Forecast

    Your 12-month plan, one row per category

  • Transactions

    Log real money in and out (1,000 rows, drop-down categories)

  • Cash Flow

    Every month switches from forecast to actual as soon as it has transactions; opening and closing balance; OK / Low cash / Negative status; plan vs actual

  • Profit & Loss

    Revenue, cost of sales, gross profit and margin, operating profit, net profit and margin — by month and by category

  • Scenarios

    Best, base and worst case with your own multipliers: see the lowest balance and whether cash goes negative

Why you'll like it

  • Forecast and actuals in one file — no copying numbers between sheets
  • Cash and profit kept apart the right way: loans, owner draws and equipment move cash but don't distort your P&L
  • Early warnings: months that dip below your buffer or below zero are flagged in color
  • Built by a data analyst — every number is a formula you can trace
  • Any currency; sample data included so you see it working (clearing it takes a minute)
  • No subscription, no app — your data stays in your own file

How you get it

  1. Download on Etsy

    Buy the template on Etsy, then download START-HERE.pdf and the Excel .zip from your Purchases.

    How to download

  2. Make a copy

    Click MAKE A COPY in the PDF: your own Google Sheet is saved to your Google Drive. Prefer Excel? Open the .xlsx.

    How to make your copy

  3. Start

    Follow the Start Here tab. Type in the cream cells; the gray cells do the math for you.

    Clearing the sample data

You receive:

  • START-HERE.pdf — Google Sheets link + quick guide
  • cash-flow-pl-excel.zip — Excel version

Good to know

  • Also in the Small Business Finance Starter bundle with Small Business Bookkeeping, Invoice & Receivables Tracker and Pricing Calculator: all four for less than the price of three.
  • Need stock tracking too? The Small Business Finance Complete bundle adds the Inventory & COGS Tracker to all four.
  • Best used on a computer; you can view it in the Google Sheets app on your phone.
  • This is a planning tool, not tax, accounting or financial advice.
  • For use in one business. Please do not resell or share the files.

Designed by me with the help of AI tools.

View Cash Flow Forecast & P&L on Etsy

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