Example Cashflow Forecast Worksheet

Instructions for the cashflow worksheet

Use this worksheet to forecast and record cash flow. The worksheet will update your figures as you type.
1. Type your cash balance at the beginning in cell B10
2. Type in your monthly figures for cash in and cash out, month by month.
3. To use the worksheet as part of a business plan, fill out as much as you can with projections and replace these with real
4. Use the cash flow scenario planner and report to test what will happen if something changes e.g. expenses go up by 5%

Cash flow scenario planner

Changes in sales income 0
Changes in expenses 0

Cash in (record when actually recieved)

Month two,
Month one, Month three, Month four, Month five,
Month * e.g.
e.g. January e.g. March e.g. April e.g. May
February

Cash balance at the start of

$5,000 $7,671 -$1,167 $2,448 $5,974
each month #
Operating revenue
Cash reciepts from
$2,200 $2,200 $2,420 $2,640 $2,772
customers
Collection of recievables $2,745 $3,102 $3,258 $3,498 $3,795
Other operating revenue
$0 $0 $0 $0 $0
received
Total Operating Revenue $4,945 $5,302 $5,678 $6,138 $6,567
Other Sources of Cash
Inflows
Proceeds from sale of assets

Funds borrowed $20,000

Tax refund/rebates

Other sources of cash inflow

Total other cash inflows $0 $20,000 $0 $0 $0

Total monthly cash in $4,945 $25,302 $5,678 $6,138 $6,567

Cash out (record when actually paid)

Inventory (Stock)
Stock purchases
12,012 13,728
Other Cost of Goods

Total Cost of Goods $0 $12,012 $0 $0 $13,728

General & Administrative
Bank charges 17 17 17 17 20
Credit card commission
Accounting/Legal/Consultant
fees
Office Supplies 22 22 22 22 22
License fees
Business insurance
Etc.
Total General &
$39 $39 $39 $39 $42
Administrative

Marketing & Promotional

Advertising 275 275
Promotion - General
Promotion - Other
Etc.
Total Marketing & $275 $0 $0 $275 $0
Promotional
Operating Expenses
Newspapers & magazines
Parking/Taxis/Tolls
Entertainment/Meals
Travel/Accomodation
Laundry/dry cleaning

Cleaning & cleaning products

Sundry supplies
Equipment hire
Etc.

Total Operating Expenses $0 $0 $0 $0 $0

Motor Vehicle Expenses
Fuel 500 358
Vehicle service costs
Tyres & other replacement
costs
Insurance 300
Registrations

Total Motor Vehicle $0 $300 $0 $500 $358

Expenses

Website Expenses
Domain name registration

Hosting expenses 110

etc

Total Website Expenses $0 $110 $0 $0 $0

Employment Expenses
Permanent
Salaries/Wages
1,230 1,230 1,230 1,230 1,230
PAYE
260 260 260 260 260
Superannuation
135 135 135 135 135
Other - Employee Benefits

Recruitment costs

Total Perm. Employ Exp $1,625 $1,625 $1,625 $1,625 $1,625

Casual
Salaries/Wages

PAYE

Superannuation

Other - Employee Benefits

Recruitment costs

Total Casual Employ Exp $0 $0 $0 $0 $0

Workcover Insurance

Total Employment $1,625 $1,625 $1,625 $1,625 $1,625

Expenses
Occupancy Costs
Electricity/Gas 130
Telephones 30 54 64 43 36
Property Insurance
305
Rates
Rent
Repair & maintenance
Waste removal

Water

Etc.

Total Occupancy Costs $335 $54 $64 $173 $36

Other Expenses
Bank Interest
GST 335
Total Other Expenses $0 $0 $335 $0 $0

Other Cash Outflows

Purchase of assets 20,000
One-off bank fees

Principal Loan repayments

Payments to the owner/s

Investment of surplus funds.
Other cash inflows

Total Other Cash Outflows $0 $20,000 $0 $0 $0

Total monthly cash out $2,274 $34,140 $2,063 $2,612 $15,789

Net difference † $2,671 -$8,838 $3,615 $3,526 -$9,222

Cash balance at the end of

$7,671 -$1,167 $2,448 $5,974 -$3,248
each month ‡

Notes:
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the
† Net difference shows if more cash came in, than went out, or vice versa; and how much.
‡ To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month
Disclaimer: The information contained in this publication is provided for general guidance only.
The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency o
The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which
Authorised by the Victorian Government, 121 Exhibition Street, Melbourne, 3000. © Department of State Development, Bus
es as you type.

ions and replace these with real figures when you have them.
nges e.g. expenses go up by 5%,

Month Month nine, Month Month

Month six, Month eight, Month ten,
seven, e.g. e.g. eleven, e.g. twelve, e.g.
e.g. June e.g. August e.g. October
July September November December

-$3,248 $1,240 $6,213 $2,661 $7,303 $13,093 -$1,116

$2,860 $3,080 $3,168 $3,212 $3,300 $3,388 $3,080

$4,046 $4,217 $4,475 $4,666 $4,778 $4,891 $5,016

$0 $0 $0 $0 $0 $0 $0
$6,906 $7,297 $7,643 $7,878 $8,078 $8,279 $8,096

$0 $0 $0 $0 $0 $0 $0

$6,906 $7,297 $7,643 $7,878 $8,078 $8,279 $8,096

8,580 20,592

$0 $0 $8,580 $0 $0 $20,592 $0

18 20 20 18 20 18 18
 462
22 27 22 22 22 22 28

$40 $47 $504 $40 $42 $40 $46

275 275

$0 $275 $0 $0 $275 $0 $0

$0 $0 $0 $0 $0 $0 $0

275 302 330 347 275 198 110

$275 $302 $330 $347 $275 $198 $110

$0 $0 $0 $0 $0 $0 $0
 1,230 1,230 1,230 1,230 1,230 1,230 1,230

260 260 260 260 260 260 260

135 135 135 135 135 135 135

$1,625 $1,625 $1,625 $1,625 $1,625 $1,625 $1,625

$0 $0 $0 $0 $0 $0 $0

$1,625 $1,625 $1,625 $1,625 $1,625 $1,625 $1,625

130 160
43 75 26 44 71 33 30

$43 $75 $156 $44 $71 $33 $190

435 1,180 400

 $435 $0 $0 $1,180 $0 $0 $400

$0 $0 $0 $0 $0 $0 $0

$2,418 $2,324 $11,195 $3,236 $2,288 $22,488 $2,371

$4,488 $4,973 -$3,552 $4,642 $5,790 -$14,209 $5,725

$1,240 $6,213 $2,661 $7,303 $13,093 -$1,116 $4,609

nth one' is the month you start the business.

alance at the start of the month (top row). This figure becomes the next month's new cash balance.

ed) as to the accuracy, currency or authenticity of the information.

r the information or advice which is provided herein.
tment of State Development, Business and Innovation (DSDBI) 2014
Total

$34,320

$48,487

$0
$82,807

$0

$20,000

$0

$0

$20,000

$102,807

$54,912

$0

$54,912

220
$0
 $462

$275
$0
$0
$0

$957

$1,100
$0
$0
$0

$1,100

$0
$0
$0
$0
$0

$0

$0
$0
$0

$0

$2,695

$0

$0

$300

$0

$2,995

$0

$110

$0

$110
$14,760

$3,120

$1,620

$0

$0

$19,500

$0

$0

$0

$0

$0
$0

$0

$19,500

$420
$549

$305

$0
$0
$0
$0

$0

$0
$1,274

$0
$2,350

$0

$0
$0
$0
 $0
$2,350

$20,000
$0

$0

$0
$0
$0
$20,000

$103,198
Instructions for the cashflow worksheet
Use this worksheet to forecast and record cash flow. The worksheet will update your figures as you type.
1. Type your cash balance at the beginning in cell B14
2. Type in your monthly figures for cash in and cash out, month by month.
3. To use the worksheet as part of a business plan, fill out as much as you can with projections and replace these with real figures when you have them.
4. Use the cash flow scenario planner and report to test what will happen if something changes e.g. expenses go up by 5%,
5. See a plain English explanation of cash flow and an easy-to-follow worked example on the Financial Management section of the Business Victoria website at http://www.business.vic.
Cash flow scenario planner
Changes in sales income
Changes in expenses
Cash flow worksheet
Cash in (record when actually recieved)
Month Month Month Month Month Month Month Month Month Month
Month * Month six Month ten Total
one two three four five seven eight nine eleven twelve
Cash balance at the start of each
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
month #
Operating revenue
Cash reciepts from customers $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Collection of recievables $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other operating revenue received $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Operating Revenue $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other Sources of Cash Inflows
Proceeds from sale of assets $0
0 0 0 0 0 0 0 0 0 0 0 0
Funds borrowed $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Tax refund/rebates $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other sources of cash inflow $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total other cash inflows $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total monthly cash in $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Cash out (record when actually paid)

Inventory (Stock)
Stock purchases $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Cost of Goods $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Cost of Goods $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

General & Administrative
Bank charges $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Credit card commission $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Accounting/Legal/Consultant fees $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Office Supplies $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
License fees $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Business insurance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Etc. 0 0 0 0 0 0 0 0 0 0 0 0 $0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total General & Administrative
Marketing & Promotional
Advertising $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Promotion - General $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Promotion - Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Etc. $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Marketing & Promotional $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Operating Expenses
Newspapers & magazines $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Parking/Taxis/Tolls $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Entertainment/Meals $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Travel/Accomodation $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Laundry/dry cleaning $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Cleaning & cleaning products $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Sundry supplies $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Equipment hire $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Etc. $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Operating Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Motor Vehicle Expenses
Fuel $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Vehicle service costs $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Tyres & other replacement costs $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Insurance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Registrations $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Motor Vehicle Expenses
Website Expenses
Domain name registration $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Hosting expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

etc $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Website Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Employment Expenses
Permanent
Salaries/Wages $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

PAYE $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Superannuation $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other - Employee Benefits $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Recruitment costs $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Perm. Employ Exp $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Casual
Salaries/Wages $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

PAYE $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Superannuation $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other - Employee Benefits $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Recruitment costs $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Workcover Insurance $0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Employment Expenses
Occupancy Costs
Electricity/Gas $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Telephones $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Property Insurance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Rates $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rent $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Repair & maintenance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Waste removal $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Water $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Etc. $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Occupancy Costs $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Expenses
Bank Interest $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
GST $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Etc. $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Other Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Other Cash Outflows
Purchase of assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
One-off bank fees $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Principal Loan repayments $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Payments to the owner/s $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Investment of surplus funds. $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other cash inflows $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total Other Cash Outflows $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Total monthly cash out $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Net difference † $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Cash balance at the end of each

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
month ‡
Notes:
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
† Net difference shows if more cash came in, than went out, or vice versa; and how much.
‡ To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash ba
Disclaimer: The information contained in this publication is provided for general guidance only.
The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information.
The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein.
Authorised by the Victorian Government, 121 Exhibition Street, Melbourne, 3000. © Department Jobs, Precincts and Regions (DJPR) 2019
.business.vic.gov.au
s new cash balance.
Summary estimated cashflow
Instructions for the cashflow worksheet
Use this worksheet to forecast and record cash flow. The worksheet will update your figures as you type.
1. Type your cash balance at the beginning in cell B14
2. Type in your monthly figures for cash in and cash out, month by month.
3. To use the worksheet as part of a business plan, fill out as much as you can with projections and replace these with real
4. Use the cash flow scenario planner and report to test what will happen if something changes e.g. expenses go up by 5%
5. See a plain English explanation of cash flow and an easy-to-follow worked example on the Financial Management sectio
Cash flow scenario planner
Changes in sales income 0
Changes in expenses 0
Month Month Month Month Month Month
Month * Month six
one two three four five seven
Cash balance at the start of
$0 $0 $0 $0 $0 $0 $0
each month #
Cash in (record when actually recieved)
Operating revenue
Cash reciepts from
$0 $0 $0 $0 $0 $0 $0
customers
Collection of recievables $0 $0 $0 $0 $0 $0 $0
Other operating revenue
$0 $0 $0 $0 $0 $0 $0
received
Total Operating Revenue $0 $0 $0 $0 $0 $0 $0
Other Sources of Cash Inflows
Proceeds from sale of assets 0 0 0 0 0 0 0
Funds borrowed
0 0 0 0 0 0 0
Tax refund/rebates 0 0 0 0 0 0 0
Other sources of cash inflow 0 0 0 0 0 0 0

Total other cash inflows $0 $0 $0 $0 $0 $0 $0

Total monthly cash in $0 $0 $0 $0 $0 $0 $0

Cash out (record when actually paid)

Total Cost of Goods $0 $0 $0 $0 $0 $0 $0
Total General &
$0 $0 $0 $0 $0 $0 $0
Administrative
Total Marketing &
$0 $0 $0 $0 $0 $0 $0
Promotional
Total Operating Expenses $0 $0 $0 $0 $0 $0 $0
Total Motor Vehicle
$0 $0 $0 $0 $0 $0 $0
Expenses
Total Website Expenses $0 $0 $0 $0 $0 $0 $0

Total Perm. Employ Exp $0 $0 $0 $0 $0 $0 $0

Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0

Workcover Insurance $0 $0 $0 $0 $0 $0 $0

Total Occupancy Costs $0 $0 $0 $0 $0 $0 $0

Total Other Expenses $0 $0 $0 $0 $0 $0 $0

Other Cash Outflows

Purchase of assets 0 0 0 0 0 0 0
One-off bank fees 0 0 0 0 0 0 0
Principal Loan repayments
0 0 0 0 0 0 0
Payments to the owner/s 0 0 0 0 0 0 0
Investment of surplus funds. 0 0 0 0 0 0 0
Other cash inflows 0 0 0 0 0 0 0
Total Other Cash Inflows $0 $0 $0 $0 $0 $0 $0

Total monthly cash out $0 $0 $0 $0 $0 $0 $0

Net difference †
$0 $0 $0 $0 $0 $0 $0
(subtracts the Cash out from
Cash in)
Cash balance at the end of
$0 $0 $0 $0 $0 $0 $0
each month ‡
Notes:
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start th
† Net difference shows if more cash came in, than went out, or vice versa; and how much.
‡ To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month
Disclaimer: The information contained in this publication is provided for general guidance only.
The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency
The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which
Authorised by the Victorian Government, 121 Exhibition Street, Melbourne, 3000. © Department Jobs, Precincts and Regio
as you type.

ns and replace these with real figures when you have them.
ges e.g. expenses go up by 5%,
e Financial Management section of the Business Victoria website at http://www.business.vic.gov.au

Month Month Month Month

Month ten Total
eight nine eleven twelve
$0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0
$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0
 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

0 0 0 0 0 0
0 0 0 0 0 0

0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0

$0 $0 $0 $0 $0

h one' is the month you start the business.

ance at the start of the month (top row). This figure becomes the next month's new cash balance.

d) as to the accuracy, currency or authenticity of the information.

the information or advice which is provided herein.
ment Jobs, Precincts and Regions (DJPR) 2019
w.business.vic.gov.au
h's new cash balance.
Instructions for the cashflow worksheet
Use this worksheet to forecast and record cash flow. The worksheet will update your figures as you type.
1. Type your cash balance at the beginning in cell B14
2. Type in your monthly figures for cash in and cash out, month by month.
3. To use the worksheet as part of a business plan, fill out as much as you can with projections and replace these with real
4. Use the cash flow scenario planner and report to test what will happen if something changes e.g. expenses go up by 5%
5. See a plain English explanation of cash flow and an easy-to-follow worked example on the Financial Management sectio
Cash flow scenario planner
Changes in sales income 0
Changes in expenses 0

Estimated vs actual worksheet

Month * Month one Month two Month three Month four

Estimated Actual Estimated Actual Estimated Actual Estimated

Cash balance at the start of
$0 $0 $0 $0 $0 $0
each month #
Cash in (record when actually recieved)
Operating revenue
Cash reciepts from
$0 $0 $0 $0
customers
Collection of recievables $0 $0 $0 $0
Other operating revenue
$0 $0 $0 $0
received
Total Operating Revenue $0 $0 $0 $0 $0 $0 $0
Other Sources of Cash Inflows
Proceeds from sale of assets
0 0 0 0
Funds borrowed 0 0 0 0
Tax refund/rebates
0 0 0 0
Other sources of cash inflow 0 0 0 0

Total other cash inflows $0 $0 $0 $0 $0 $0 $0

Total monthly cash in $0 $0 $0 $0 $0 $0 $0

Cash out (record when actually paid)

Inventory (Stock)
Stock purchases
Other Cost of Goods
Total Cost of Goods
General & Administrative
Bank charges
Credit card commission
Accounting/Legal/Consultant
fees
0 0
0 0
$0 $0 $0
0 0
0 0
0 0
0 0
0 0
$0 $0 $0 $0
0 0
0 0
0 0
Office Supplies 0 0 0 0
License fees 0 0 0 0
Business insurance 0 0 0 0
Etc. 0 0 0 0
Total General &
$0 $0 $0 $0 $0 $0 $0
Administrative
Marketing & Promotional
Advertising 0 0 0 0
Promotion - General 0 0 0 0
Promotion - Other 0 0 0 0
Etc. 0 0 0 0
Total Marketing & $0 $0 $0 $0 $0 $0 $0
Promotional
Operating Expenses
Newspapers & magazines 0 0 0 0
Parking/Taxis/Tolls 0 0 0 0
Entertainment/Meals 0 0 0 0
Travel/Accomodation 0 0 0 0
Laundry/dry cleaning 0 0 0 0
Cleaning & cleaning products
0 0 0 0
Sundry supplies 0 0 0 0
Equipment hire 0 0 0 0
Etc. 0 0 0 0

Total Operating Expenses $0 $0 $0 $0 $0 $0 $0

Motor Vehicle Expenses
Fuel 0 0 0 0
Vehicle service costs 0 0 0 0
Tyres & other replacement
costs 0 0 0 0
Insurance 0 0 0 0
Registrations 0 0 0 0
Total Motor Vehicle
$0 $0 $0 $0 $0 $0 $0
Expenses
Website Expenses
Domain name registration 0 0 0 0
Hosting expenses 0 0 0 0
etc 0 0 0 0
Total Website Expenses $0 $0 $0 $0 $0 $0 $0
Employment Expenses
Permanent
Salaries/Wages
0 0 0 0
PAYE
0 0 0 0
Superannuation
0 0 0 0
Other - Employee Benefits
0 0 0 0
Recruitment costs
0 0 0 0

Total Perm. Employ Exp $0 $0 $0 $0 $0 $0 $0

Casual
Salaries/Wages 0 0 0 0
PAYE 0 0 0 0
Superannuation 0 0 0 0
Other - Employee Benefits
0 0 0 0
Recruitment costs 0 0 0 0
Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0

Workcover Insurance
0 0 0 0
Total Employment $0 $0 $0 $0 $0 $0 $0
Expenses
Occupancy Costs
Electricity/Gas 0 0 0 0
Telephones 0 0 0 0
Property Insurance
0 0 0 0
Rates 0 0 0 0
Rent 0 0 0 0
Repair & maintenance 0 0 0 0
Waste removal 0 0 0 0
Water
0 0 0 0
Etc. 0 0 0 0
Total Occupancy Costs $0 $0 $0 $0 $0 $0 $0
Other Expenses
Bank Interest 0 0 0 0
GST 0 0 0 0
Etc
0 0 0 0
Total Other Expenses $0 $0 $0 $0 $0 $0 $0
Other Cash Outflows
Purchase of assets
One-off bank fees
Principal Loan repayments
Payments to the owner/s
Investment of surplus funds.
Other cash inflows
Total Other Cash Inflows
0 0
0 0
0 0
0 0
0 0
0 0
$0 $0 $0
0 0
0 0
0 0
0 0
0 0
0 0
$0 $0 $0 $0

Total monthly cash out $0 $0 $0 $0 $0 $0 $0

Net difference † $0 $0 $0 $0 $0 $0 $0

Cash balance at the end of

$0 $0 $0 $0 $0 $0 $0
each month ‡
Notes:
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start th
† Net difference shows if more cash came in, than went out, or vice versa; and how much.
‡ To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month
Disclaimer: The information contained in this publication is provided for general guidance only.
The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency
The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which
Authorised by the Victorian Government, 121 Exhibition Street, Melbourne, 3000. © Department Jobs, Precincts and Regio
as you type.

ns and replace these with real figures when you have them.
ges e.g. expenses go up by 5%,
e Financial Management section of the Business Victoria website at http://www.business.vic.gov.au

Month four Month five Month six Month seven Month eight Month nine

Actual Estimated Actual Estimated Actual Estimated Actual Estimated Actual Estimated

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0

$0 $0 $0 $0 $0

$0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0

0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
 0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0
 0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0
 0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

h one' is the month you start the business.

ance at the start of the month (top row). This figure becomes the next month's new cash balance.

d) as to the accuracy, currency or authenticity of the information.

the information or advice which is provided herein.
ment Jobs, Precincts and Regions (DJPR) 2019
Month nine Month ten Month eleven Month twelve

Actual Estimated Actual Estimated Actual Estimated Actual

$0 $0 $0 $0 $0 $0 $0

$0 $0 $0

$0 $0 $0

$0 $0 $0
$0 $0 $0 $0 $0 $0 $0

0 0 0

0 0 0

0 0 0

0 0 0
$0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0

0 0 0

0 0 0
$0 $0 $0 $0 $0 $0 $0

0 0 0
0 0 0

0 0 0
 0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0

0 0 0
0 0 0
0 0 0
0 0 0

$0 $0 $0 $0 $0 $0 $0

0 0 0
0 0 0
0 0 0
0 0 0
0 0 0

0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0
$0 $0 $0 $0 $0 $0 $0

0 0 0

0 0 0

0 0 0
$0 $0 $0 $0 $0 $0 $0
 0 0 0

0 0 0

0 0 0

0 0 0

0 0 0
$0 $0 $0 $0 $0 $0 $0

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0
$0 $0 $0 $0 $0 $0 $0

0 0 0

$0 $0 $0 $0 $0 $0 $0

0 0 0
0 0 0

0 0 0
0 0 0
0 0 0
0 0 0
0 0 0

0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0

0 0 0
0 0 0

0 0 0
$0 $0 $0 $0 $0 $0 $0
 0 0 0
0 0 0

0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0