"12-Month Cash Flow Forecast • USD","Jan 2027","Feb 2027","Mar 2027","Apr 2027","May 2027","Jun 2027","Jul 2027","Aug 2027","Sep 2027","Oct 2027","Nov 2027","Dec 2027"
"Opening balance",8200,=B18,=C18,=D18,=E18,=F18,=G18,=H18,=I18,=J18,=K18,=L18
"Customer payments",8000,8350,8700,9050,9400,9750,10100,10450,10800,11150,11500,11850
"Other operating receipts",0,0,0,0,0,0,0,0,0,0,0,0
"Financing and owner contributions",0,0,0,0,0,0,0,0,0,0,0,0
"Total cash in",=SUM(B3:B5),=SUM(C3:C5),=SUM(D3:D5),=SUM(E3:E5),=SUM(F3:F5),=SUM(G3:G5),=SUM(H3:H5),=SUM(I3:I5),=SUM(J3:J5),=SUM(K3:K5),=SUM(L3:L5),=SUM(M3:M5)
"Supplier and inventory",2000,2090,2180,2270,2360,2450,2540,2630,2720,2810,2900,2990
"Payroll and contractors",1600,1600,1600,1600,1600,1600,1600,1600,1600,1600,1600,1600
"Rent and utilities",1200,1200,1200,1200,1200,1200,1200,1200,1200,1200,1200,1200
"Marketing and technology",500,500,500,500,500,500,500,500,500,500,500,500
"Taxes remitted",0,0,700,0,0,700,0,0,700,0,0,700
"Loan payments",0,0,0,0,0,0,0,0,0,0,0,0
"Equipment purchases",0,0,0,1500,0,0,0,0,0,0,0,0
"Owner draw",700,700,700,700,700,700,700,700,700,700,700,700
"Other payments",350,350,350,350,350,350,350,350,350,350,350,350
"Total cash out",=SUM(B7:B15),=SUM(C7:C15),=SUM(D7:D15),=SUM(E7:E15),=SUM(F7:F15),=SUM(G7:G15),=SUM(H7:H15),=SUM(I7:I15),=SUM(J7:J15),=SUM(K7:K15),=SUM(L7:L15),=SUM(M7:M15)
"Net cash change",=B6-B16,=C6-C16,=D6-D16,=E6-E16,=F6-F16,=G6-G16,=H6-H16,=I6-I16,=J6-J16,=K6-K16,=L6-L16,=M6-M16
"Closing balance",=B2+B17,=C2+C17,=D2+D17,=E2+E17,=F2+F17,=G2+G17,=H2+H17,=I2+I17,=J2+J17,=K2+K17,=L2+L17,=M2+M17
"Cash floor",2500,2500,2500,2500,2500,2500,2500,2500,2500,2500,2500,2500
"Available above floor",=B18-B19,=C18-C19,=D18-D19,=E18-E19,=F18-F19,=G18-G19,=H18-H19,=I18-I19,=J18-J19,=K18-K19,=L18-L19,=M18-M19
"All figures illustrative. Replace with your own bank cash balance, receipts and payments."