12-Month Cash Flow Forecast
Project your cash position for the next 12 months. Essential for managing working capital, planning for tax bills and identifying cash shortfalls before they happen.
What’s included
Includes: monthly income by category, monthly expenses by category, net cash flow per month, opening and closing cash balance, 12-month summary, cash flow chart, variance tracking vs actual.
Who should use this template?
- Start-ups planning first year finances
- Growing businesses managing working capital
- Self-employed people planning for quarterly tax bills
- Directors preparing for bank meetings
Frequently Asked Questions
What is cash flow and why does it matter?
Cash flow is the movement of money in and out of your business. A business can be profitable but cash flow negative if customers pay late or expenses are front-loaded. Cash flow forecasting helps you identify shortfalls and plan financing in advance.
How is a cash flow forecast different from a P&L?
A Profit & Loss (P&L) statement shows income and expenses when they are earned/incurred, regardless of payment timing. A cash flow forecast shows when money actually enters and leaves your bank account. Both are essential management tools.