Build a forward-looking view of your incoming cash. You’ll list upcoming jobs, payment dates, and collection expectations. The tool automatically calculates a weighted forecast so you can see realistic cash inflow, not just best-case invoices.

Plan your spending before the year starts. Enter recurring and one-time expenses, assign frequencies, and set payment timing. This sheet organizes your spending by category and helps ensure no major expense catches you off guard.

Track planned draws with structure and intention. Set recurring or one-time owner payments and let the tool forecast their impact on your cash balance each month.

Organize loan payments, lines of credit, equipment financing, and other long-term obligations. The sheet schedules each payment for you and feeds totals directly into the forecast.

This is the heart of the tool. All inputs roll into a month-by-month forecast showing cash in, cash out, monthly change, and projected ending bank balance. You’ll see exactly when cash dips, when it rebounds, and how close you are to your minimum target balance.

Quick reference lists to help you gather the right invoices, contracts, statements, payroll reports, and loan schedules before you begin—keeping your forecast grounded in real numbers.

Short, guided prompts that help you think like a financial decision-maker. You’ll reflect on cash timing, spending patterns, seasonality, and the steps needed to strengthen cash flow over the next 12 months.

(Goldilocks Heating & Cooling Co.) - A fully completed sample forecast showing each sheet in action. Use it as a guide to understand how the tool works and to model your own forecast.