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CALCULATING YOUR MONTHLY CASH FLOW FORECAST

(Add your specific calcualtions to the boxes with red text. For additional instuctions on useage, see the Instruction tab at the bottom left of this spreadsheet)

Name of business:
Owner:
Date: Estimate* Actual*

Jan Feb March April May June July Aug Sept Oct Nov Dec
1 Cash on hand (beginning month) $40,000 $63,879 $87,758 $109,637 $125,516 $134,395 $131,474 $153,353 $40,000 $40,000 $40,000 $40,000
2 Cash In
a Cash sales $25,000 $25,000 $25,000 $25,000 $25,000 $25,000 $25,000 $25,000 $25,000 $25,000 $25,000 $25,000
b Wages $1,269 $1,269 $1,269 $1,269 $1,269 $1,269 $1,269 $1,269 $1,269 $1,269 $1,269 $1,269
c Loan and other cash injections (specify) $40,000 $40,000 $40,000 $40,000 $40,000 $40,000 $40,000 $40,000 $40,000 $40,000 $40,000 $40,000
3 Total cash reciepts $66,269 $66,269 $66,269 $66,269 $66,269 $66,269 $66,269 $66,269 $66,269 $66,269 $66,269 $66,269
4 Total cash available (before cash out) $106,269 $130,148 $154,027 $175,906 $191,785 $200,664 $197,743 $219,622 $106,269 $106,269 $106,269 $106,269
5 Cash Out
a Purchases (stock) $35,000 $35,000 $35,000 $40,000 $50,000 $60,000 $35,000 $70,000 $35,000 $35,000 $35,000 $35,000
b Gross wages (excludes withdrawals) $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000
c Payroll expenses (taxes, etc.) $90 $90 $90 $90 $90 $90 $90 $90 $90 $90 $90 $90
d Outside services $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200
e Supplies (office and operating) $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100
f Repairs and maintenance
g Advertising $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000
h Car, delivery and travel $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150
i Accounting and legal $250 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250
j Rent $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200 $1,200
k Telephone $90 $90 $90 $90 $90 $90 $90 $90 $90 $90 $90 $90
l Utilities $90 $90 $90 $90 $90 $90 $90 $90 $90 $90 $90 $90
m Insurance
n Taxes
o Interest $60 $60 $60 $60 $60 $60 $60 $60 $60 $60 $60 $60
p Other expenses (specify each)
r Miscellaneous (unspecified) $560 $560 $560 $560 $560 $560 $560 $560 $560 $560 $560 $560
s Subtotal (Operating costs) $39,790 $39,790 $39,790 $44,790 $54,790 $64,790 $39,790 $74,790 $39,790 $39,790 $39,790 $39,790
t Loan principal payment $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800
u Capital purchases (specify)
v Other start-up costs $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800
w Reserve
x Owner’s Drawings $1,000 $2,000 $3,000 $4,000 $1,000 $2,800 $3,000 $3,200 $3,400 $3,600 $3,800 $4,000
5 Total cash paid out $42,390 $43,390 $44,390 $50,390 $57,390 $69,190 $44,390 $79,590 $44,790 $44,990 $45,190 $45,390

6 Cash Flow $23,879 $22,879 $21,879 $15,879 $8,879 -$2,921 $21,879 -$13,321 $21,479 $21,279 $21,079 $20,879
7 Cash Balance $63,879 $86,758 $109,637 $125,516 $134,395 $131,474 $153,353 $140,032 $61,479 $61,279 $61,079 $60,879

Essential operating data (non-cash flow information)


Sales Volume (dollars) 30000
Accounts receivable (end of month) 4313
Bad debt (end of month)
Stock on hand (end of month) 13125
Accounts payable (end of month) 2000
MONTHLY CASH FLOW PROJECTION

Introduction

Your cash flow is the amount of money you have available to over a specific time period that can be used to make purchases and pay bills
receipts), and the money you spend (cash dispursements).
A cash flow forecast is an estimate of your receipts and dispursements over either a weekly, monthly or quaterly period and is commonly u
a yearly, of even daily basis.

Note: All calculations have been presaved in the template, so you don’t have to manually add or subtract etc. If you wish to m
stgeorge.

Populate cash on hand (beginning month) (1)


This is the same as the Cash Balance from the previous month.

Estimate Cash In (2)


a) Cash sales – All cash sales. Omit credit sales unless cash is actually received
b) Gross wages (including withdrawals) – Amount to be expected from all accounts
c) Loan or other cash injection – Indicate here all cash injections not shown in either of the above
Calculate total Cash receipts (3)

This will automatically calculate if you have entered the relevant figures. To manually calculate add cash sales (2a), gross
Calculate total Cash available (4)

This will automatically calculate if you have entered the relevant figures. To manually calculate add total cash receipts (3)
Estimate Cash Out (5)
a) Purchases (stock) - Stock for resale or for use in product (parod for in current month)
b Gross wages (including withdrawals) – Base pay plus overtime (if any).
c) Payroll expenses (taxes, etc.) – Include paid holidays & paid sick leave.
d) Outside services – This could outside labour and/or material for specialised or overflow work, including subcontractin
e) Supplies (office and operating) – Items purchased for use in the business (not for resale.
f) Repairs and maintenance – Include periodic large expenditures such as painting and decorating.
g) Advertising – This amount should be adequate to maintain sales volume.
h) Car, delivery and travel – If personal car is used, charge in this column, include parking.
i) Accounting and legal – Outside services including, for example, bookkeeping.
j) Rent
k) Telephone
l) Utilities – Water, Electricity, Gas
m) Insurance – Coverage on business property and products (fire, liability); also worker’s compensation.
n) Taxes
o) Interest – Remember to add interest on loan as it is injected (see 2c above).

p) Other expenses (specify each) – Unexpected expenditures may be included here as a safety factor.
Equipment expenses during the month should be included here (non-capital equipment). When equipment is rented or
q) Miscellaneous (unspecified) – Small expenditures for which separate accounts would be practical.
r) Subtotal – This subtotal indicates cash out for operating costs.
s) Loan principal payment – Include payment on all loans, including vehicle and equipment purchases on hire purchase
t) Capital purchases (specify) – Non-expensed (depreciable) expenditures such as equipment, building purchases on h
u) Other start-up costs – Expenses incurred prior to first month projection and paid for after start-up.
v) Reserve – Example: insurance, tax or equipment agreement to reduce impact of large periodic payments.
w) Owner’s withdrawal – Should include payment for such things as owner’s income tax, health insurance, executive lif
Calculate total Cash paid out (5)

This will automatically calculate if you have entered the relevant figures. To manually calculate add (5a - w)
Calculate Flow (6)
This is the actual cash earnt by the business during the month, once cash out has been removed. This figure will automati
figures. To manually calculate subtract Cash Paid Out (5) from Cash In (2)
Calculate Balance (7)

This is the actual cash earnt by the business during the month, in addition to the cash on hand available form the previous
you have entered the relevant numbers. To manually calculate subtract total cash paid out (5) form total cash available (4
Essential operating data (non-cash flow information)

Sales volume (dollars) – This is a very important figure and should be estimated carefully, taking into account size of facilit
anticipated sales (actual sales, not orders received).
Accounts receivable (end of month) – Previous unpaid credit sales plus current month’s credit sales, less amounts received

Bad debt (end of month) – Bad debts should be subtracted from (B) in the month anticipated.

Stock on hand (end of month) – Last month’s stock plus goods received and/or manufactured current month minus amoun

Accounts payable (end of month) – Previous month’s payable plus current month’s payable minus amount paid during mo
FLOW PROJECTION

n be used to make purchases and pay bills. It is the difference between the money you take in (cash

onthly or quaterly period and is commonly used to enable you to plpan the finiance you require over

ually add or subtract etc. If you wish to make changes to the locked cells, the password is
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her of the above

y calculate add cash sales (2a), gross wages (2b) and Loan or other cash injection (2c).

y calculate add total cash receipts (3) to cash on hand (1).

onth)

verflow work, including subcontracting.


for resale.
g and decorating.

parking.

orker’s compensation.

ere as a safety factor.


ment). When equipment is rented or leases, record payments here.
would be practical.

quipment purchases on hire purchase.


as equipment, building purchases on hire purchase.
d for after start-up.
f large periodic payments.
me tax, health insurance, executive life insurance premiums, etc.

y calculate add (5a - w)


en removed. This figure will automatically calculate if you have entered the relevant

h on hand available form the previous month. This figure will automatically calculate if
id out (5) form total cash available (4)

fully, taking into account size of facility and employee output as well as realistic

h’s credit sales, less amounts received current month (deduct C below).

icipated.

factured current month minus amount sold current month.

ayable minus amount paid during month.