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Cash Flow Forecast Template

Build a complete 12-month cash forecast with growth assumptions, one-off spending, tax reserve, cash floor and warning months.

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Replace the example answers with your own.

Click the first box below and start typing. Your finished document builds live on the right as you go.

Starting point

Business name Starting cash (£)

Income & costs

Expected Month 1 income (£) Expected Month 1 operating costs (£) Monthly income growth (%) Monthly cost growth (%)

Reserves & one-offs

Reserve from monthly income for tax / VAT (%) A planning reserve only — use the percentage appropriate to your own circumstances. One-off spending month One-off spending (£) What is the one-off spend? Minimum cash buffer (£) Months below this amount are highlighted in the preview.

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How to fill in your cash-flow forecast

Enter starting cash, expected customer receipts and operating payments. Use the month you expect money to move, rather than the date you send an invoice. Add one-off spending, a suitable planning reserve and a minimum cash buffer. Replace the sample assumptions with your own figures.

A simple worked example

With £5,000 opening cash, £4,000 received and £3,200 paid out, closing cash is £5,800. If you also buy £1,500 of equipment that month, closing cash falls to £4,300. Use that as the next month’s starting balance.

The builder uses monthly income and cost growth assumptions. For a business with irregular receipts, check individual payment dates in a separate schedule as well. A planning percentage is not a calculation of the tax your business owes.

Use and download the template

Build and preview the forecast on this page. Print or save the preview as a PDF. Request the editable copy using the email form; marketing consent is optional and separate.

See the fuller limited-company cash-flow example, late-payment guide and small business finance hub.