Cash Flow Starter: Free 6-Month Cash Flow Forecast for Google Sheets and Excel

Know what your bank balance is likely to look like over the next six months, before you get there. The Cash Flow Starter is a simple, free spreadsheet: enter the cash you have now, list what you expect to come in and go out, and it works out your balance month by month.

How it works

1. Setup: your first month, the cash you have now, and a buffer (the lowest balance you'd be comfortable with).
2. Cash Flow: up to 8 lines of money in and 16 lines of money out, each cost marked Fixed, Variable or One-off.
3. Summary: your ending cash, lowest month, months below your buffer, biggest costs and two charts.

What it shows you

• Closing balance for each month, carried forward automatically
• Months below your buffer, highlighted in red
• Your lowest point and the month it falls in, in plain English
• Your five biggest costs and their share of money out
• Charts of your closing balance against your buffer, and money in against money out
• How many months your ending cash would cover at your average monthly costs

Format

• .xlsx file for Google Sheets (upload to Google Drive and save as a Google Sheet) or Microsoft Excel
• Sample figures included so you can see it working; clear them in seconds
• A 3-page Start Here guide and a free licence
• No macros, no add-ons, no sign-up inside the file
• Instant download. No physical item is shipped.

Want more?
The full Cash Flow Planner from Vortex One covers 12 months, budget against actual and scenario planning.

Good to know
This is a planning tool, not financial, tax or accounting advice. Its results depend on the figures you enter.

Licence
Free for yourself, your household or your own business. Please don't sell, upload or share the file; share the link to this page instead. See the included licence (VX-CFS-01).

Google Sheets is a trademark of Google LLC and Microsoft Excel is a trademark of Microsoft Corporation. This product is not affiliated with or endorsed by either company.