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Example Cashflow Forecast Worksheet
Example Cashflow Forecast Worksheet
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
Tax refund/rebates
Sundry supplies
Equipment hire
Etc.
Website Expenses
Domain name registration
Recruitment costs
PAYE
Superannuation
Recruitment costs
Workcover Insurance
Water
Etc.
Other Expenses
Bank Interest
GST 335
Total Other Expenses $0 $0 $335 $0 $0
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 of State Development, Bus
as you type.
ons and replace these with real figures when you have them.
ges e.g. expenses go up by 5%,
$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
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
275 275
$0 $275 $0 $0 $275 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
1,230 1,230 1,230 1,230 1,230 1,230 1,230
$0 $0 $0 $0 $0 $0 $0
130 160
43 75 26 44 71 33 30
$0 $0 $0 $0 $0 $0 $0
ance at the start of the month (top row). This figure becomes the next month's new cash balance.
$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 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 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
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
Collection of recievables $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
Accounting/Legal/Consultant fees $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
License fees $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
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
Total General & Administrative
Marketing & Promotional
Advertising $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
Promotion - Other $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
Insurance $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
Website Expenses
Domain name registration $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
etc $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
Superannuation $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
PAYE $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
Recruitment costs $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
Total Employment Expenses
Occupancy Costs
Electricity/Gas $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
Property Insurance $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
Rent $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
Waste removal $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
Etc. $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
Net difference † $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$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 of State Development, Bu
s and replace these with real figures when you have them.
s e.g. expenses go up by 5%,
Financial Management section of the Business Victoria website at http://www.business.vic.gov.au
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
ce at the start of the month (top row). This figure becomes the next month's new cash balance.
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 0 0 0 0
One-off bank fees 0 0 0 0
Principal Loan repayments
0 0 0 0
Payments to the owner/s 0 0 0 0
Investment of surplus funds. 0 0 0 0
Other cash inflows 0 0 0 0
Total Other Cash Inflows $0 $0 $0 $0 $0 $0 $0
Net difference † $0 $0 $0 $0 $0 $0 $0
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
ce at the start of the month (top row). This figure becomes the next month's new cash balance.
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0
$0 $0 $0
$0 $0 $0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0