The Cash Flow Planner — Excel Budget, Forecast & Scenario Tool

The Cash Flow Planner — Excel Template

Plan your money a year ahead. Know what next month holds.

Profit doesn't pay the bills — cash does. This calm, capable Excel planner shows you exactly where your money's going and what your bank balance will look like every month for the next year.

Type your income and costs once. The dashboard, forecast, and scenarios update on their own.

✦ What it does

• 📅 12-month budget — plan income & expenses by category, month by month
• 💧 Rolling cash-flow forecast — see your running balance and spot the tight months early
• 🔀 Scenario planner — test best / expected / worst cases with a couple of clicks
• 🎯 Budget vs actual — track how reality compares to plan, with variances flagged
• 🏦 Savings & goals — set aside for tax, growth & emergencies and watch progress
• 📊 Planning dashboard — key numbers, a live chart, and a plain-English summary of your year

✦ Why you'll like it

• ✅ Works 100% offline — no cloud, no subscription, no macros
• ✅ Beautiful, calm design that's actually pleasant to use
• ✅ No formulas to write — just fill the blue cells
• ✅ Reusable every year — copy it and start fresh

✦ You get

• The Excel template (.xlsx)
• A pre-filled example so you can see it in action
• Instant download — yours to keep

Works with Microsoft Excel 2016+ / Microsoft 365 on Windows & Mac. A productivity template, not financial or tax advice.