Cash Flow Forecast

The Cash Flow Forecast helps you turn uncertain cash flow into a clear, month-by-month plan you can rely on. It shifts your attention from scrambling when cash gets tight to planning ahead, with full visibility into what’s coming in, what’s going out, and what your bank balance will look like months into the future.

You’ll see where cash is created, where it’s consumed, and whether your balance is trending in a healthy direction, before the month begins. This helps you stay ahead of slow seasons, manage growth responsibly, and maintain confidence in your day-to-day decisions.

What’s Included:

01 – Cash In Builder

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.

02 – Cash Out Planner

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.

03 – Owner Draw Tracker

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.

04 – Long-Term Liabilities Organizer

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.

05 – Monthly Cash Flow 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. 

06 – Source Document Checklists

Quick reference lists to help you gather the right invoices, contracts, statements, payroll reports, and loan schedules before you begin.

07 – Reflection Worksheets

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.

08 – Sample Company (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.