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12-month cash flow forecast

Enter your opening cash, then the money you expect in and out each month. The month-end cash updates as you type, and any month where it falls below zero shows in red.

Opening cashCurrency

12-month cash flow forecast (USD)

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Money in
Sales received
Other money in
Money out
Purchases
Rent
Tax and contributions
Your pay
Other costs
Net for the month	0	0	0	0	0	0	0	0	0	0	0	0
Cash at month end	2,000	2,000	2,000	2,000	2,000	2,000	2,000	2,000	2,000	2,000	2,000	2,000

Opening cash: $2,000.00. Months where cash falls below zero show in red.

Why a cash forecast

Profit and cash aren't the same. A business can sell well and still run out of cash because clients pay late, stock is bought in advance or tax falls due in the same month. A 12-month forecast shows the tight months early, while there's still time to act.

How to fill it in

Count money when it actually arrives or leaves, not when you invoice.
Put seasonal months in: the quiet summer, the busy December, the annual insurance.
Include your own pay: if the business can't pay you, that's a cash problem too.

About this template

Nothing you type is sent or stored. Print it in landscape, or save it as a PDF, before closing the page.

Frequently asked questions

What's the difference between cash flow and profit?

Profit counts sales and costs when they're earned or incurred; cash flow counts money when it actually moves. Late payments create the gap.

What if a month goes negative?

Act before it happens: chase invoices, delay a purchase, ask a supplier for terms or arrange short-term financing.

How often should I update it?

Monthly: replace the forecast with actual figures and extend it by a month.

Put it into practice

Say it once. Binome360 keeps the record.

A sentence, a voice note or a receipt photo: the assistant prepares the record in the right space, you confirm. 7 days free.

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