Every small business should project cash flow in order to anticipate how to use cash wisely and avoid surprises. Using a spreadsheet to input your cash flow you’ll be able to determine when to hold onto cash for upcoming expenses and when to make significant purchases without causing undue stress. Ultimately a cash flow projection is an excellent tool for understanding the ongoing health of your business.

Want to learn more? Check out the full article that accompanies this resource, How Projecting Cash Flow Leads to Deep Insights. The author, Gwen Bortner, created this spreadsheet.

Download this spreadsheet. Then:

  • , Enter the key data points for each period:
    • Starting cash (or cash position from prior period)
    • Inflows: cash sales, accounts receivable, loans, investments
    • Outflows: expenses, accounts payable, recurring expenses, payments
  • Set a regular schedule (at least monthly) to replace projections with actuals and update projections with more accurate numbers as they become available.

Keep in mind that a cash flow projection is just one of many financial tools to help ensure your business is moving in the right direction. Although it is not the whole story, it is a relatively simple tool that often gets overlooked. Once you get a cash flow projection started, it doesn’t take much to maintain, and what gets watched and measured almost always improves.

Cashflow Spreadsheet template
Gwen Bortner

Gwen Bortner


Gwen is a business consultant focused on the craft industry. For more information on how she helps her clients build profitable businesses, and to get more down-to-earth, put-in-the-hard-work business advice visit http://gwenbortner.com/

Pin It on Pinterest