12-Month Cash Flow Planner

About the 12-Month Cash Flow Planner

Cash flow is the number one reason small businesses fail — not lack of profit, but running out of money at the wrong moment. This 12-Month Cash Flow Planner gives you a clear, rolling view of the cash coming in and going out every month, so you always know whether you can cover the bills ahead.

Enter your expected income and outgoings and the planner calculates your net cash flow and closing balance for every month, carrying each month’s balance into the next. Colour-coded cells make it obvious when a month is heading into the red, giving you time to act rather than react. It is the single most useful financial document a small business can keep.

Built in Excel and Google Sheets with clearly marked input cells and a full worked example, it works on any device. Pair it with our [Startup Costs & Funding Planner](#/product/startup-costs-planner) if you are just starting out.

Who it's for

What's included

• 12 months of income & expense tracking with automatic totals
• Opening & closing balance carried forward every month
• Dashboard: runway, burn rate, best & worst month
• Colour-coded so you only edit the blue cells
• Works in Excel, Google Sheets & Numbers

How to download & use it

1. Check your email. The moment your payment goes through, we email your files to the address you enter at checkout. They usually arrive within a minute or two — if not, check your spam or promotions folder.
2. Download your files. Open the email and click the download button. Your files save straight to your device — nothing is posted, it is all instant and digital. Keep the email so you can re-download any time.
3. Open it. Open the file in Microsoft Excel, or upload it to Google Sheets (in Google Drive: New → File upload, then open with Google Sheets). It works on desktop, tablet and mobile.
4. Make it yours. Type into the highlighted input cells — everything else calculates automatically. Most files include a "Start Here" tab and sample data to guide you.

Need a hand? Every purchase includes free email support and free updates for life. If a file ever will not open, reply to your receipt and we will sort it.

Frequently asked questions

Do I need accounting knowledge?

No — enter your expected income and costs and the planner does the rest.

Does it work in Google Sheets?

Yes, and in Excel, on any device. Buy once, keep forever.

Related searches

Related guides

• How to build a 12-month cash flow forecast (free template)
• 10 spreadsheets every small business should own

Instant digital download. Nothing is shipped. Files are delivered to your email the moment you buy, and you can re-download them any time. Single-business licence.