Free Cash Flow Projection Templates to Plan Your Finances

So, how do you stay ahead of the chaos, plan for slow months, and dodge financial surprises before they hit?

Start with the right cash flow projection template—a high-impact tool that clarifies your financial runway, flags risks early, and helps you make smarter decisions.

Stick with us, we’ve rounded up the best free templates to keep your cash flow in check.

What Are Cash Flow Projection Templates?

Cash flow projection templates are ready-to-use financial tools that help you forecast how money moves in and out of your business over time. Use them to predict when cash hits your account, when payments go out, and how much liquidity you’ll have at any point.

Think of it as a financial GPS for your business. It gives visibility, reduces guesswork, and strengthens your expense management. Instead of starting from scratch every time, use these templates to:

• Turn scattered transactions into clear, time-based cash flow insights
• Match income and expenditures to avoid crunches and missed payments
• Monitor what’s helping or hurting your cash position in real time
• Make smarter calls on hiring, investments, or when to hold back

Top Cash Flow Projection Templates at a Glance

It’s evident that cash flow templates help you plan smarter, spend confidently, and stay liquid. But what separates a great one from the rest? Your specific needs!

Let’s break it down with a quick summary.

Template Name	Download Template	Best Features	Visual Format
Finance Management Template	Get free template	Live dashboards, custom fields, transaction tracking, automations	List, Dashboard
Financial Analysis Report Template	Get free template	KPI tracking, auto-generated charts, benchmarking, comments	Doc, Dashboard
Break-Even Analysis Template	Get free template	Profit/loss scenarios, margin analysis, what-if planning	List, Doc
Sales Forecast Template	Get free template	Pipeline tracking, revenue forecasting, real-time updates	List, Board
Business Expenses and Report Template	Get free template	Daily/weekly/monthly tracking, receipts, audit-ready	List, Doc
Budget Template	Get free template	Budget scheduling, spend prioritization, automation	List, Doc
Balance Sheet Template	Get free template	Version history, review tasks, audit notes	List, Doc
Accounting Operations Template	Get free template	Recurring workflows, deadline reminders, cycle review	List, Doc
Accounts Payable Template	Get free template	Vendor tracking, deadline alerts, automation	List, Doc
Cost Analysis Template	Get free template	Cost mapping, projected vs. actual, inefficiency highlights	List, Doc
12-Month Cash Flow Forecast Template by Coefficient	Download this template	12-month timeline, editable fields, charts/dashboards	Google Sheets, Excel
Excel Cash Flow Forecast Template by GTreasury	Download this template	Multi-currency, netting/interest rules, policy compliance	Excel
Cash Flow Forecast Template by QuickBooks	Download this template	Real-time sync, auto-calc balances, seasonal flagging	Spreadsheet
Cash Flow Forecast Template by Conta	Download this template	Monthly columns, customizable, auto-calculations	Spreadsheet
Cash Flow Projection Template by NFF	Download this template	Funding source tracking, grant cycles, compliance	Excel

What Makes a Good Cash Flow Projection Template?

A standout cash flow projection template does more than list numbers; it powers your financial strategy. The best ones combine simplicity with functionality, striking the right balance between ease of use and detailed insight.

Here’s what to look for in a template that works in the real world:

• Logical layout: Choose a template that organizes your projections on a quarterly, weekly, or monthly basis. A clear structure helps you map cash movement over time and quickly spot risky periods
• Scenario planning: Model different financial outcomes. Whether it’s a late payment or a new hire, the ability to test what-if scenarios makes capacity planning proactive, not reactive
• Automated calculations: Skip the manual math. A good template includes built-in formulas that automatically update totals, balances, and net cash flow to save time and reduce costly errors
• Custom categories: Tailor your cash flow template to reflect your cash flow sources and expenses. Add sections for client invoices, SaaS subscriptions, ad spend, or vendor payments—whatever mirrors how your business runs
• Performance tracking: Determine how your forecasts stack up against actual results. Use this to fine-tune your projections and monitor financial KPIs like burn rate, runway, and cash coverage ratio
• Visual insights: Turn raw numbers into clear trends. Add graphs or charts to identify cash shortfalls and spending spikes—great for internal reviews, investor decks, or sharing financials with lenders

Best Cash Flow Projection Templates to Keep Your Finances Moving

Late client payments? Sudden expense spikes? We’ve all been there.

These cash flow projection templates fit the fast pace of real-world operations—whether you’re balancing freelance gigs, scaling a lean startup, or chasing your next funding round.

Let’s explore our top picks to turn unpredictable cash flow into a clear, confident strategy.

1. Finance Management Template

Running a small business means juggling multiple accounts, clients, and cost centers, often without a dedicated finance team. The Finance Management Template simplifies the chaos by centralizing everything into one clean, customizable dashboard.

The cash flow template uses Custom Fields to tag transactions, group costs by category, and monitor cash flow by project or date. Set automations to alert your team when cash paid falls short, an invoice goes overdue, or cash outflows exceed budget.

📈 Here’s why you’ll like this template

• Build live financial dashboards using rollups and formulas
• Tie tasks, files, and approvals directly to your financial workflows
• Track every transaction for clean reports and audit-ready records

2. Financial Analysis Report Template

60% of small businesses that review their financials regularly see higher profitability. But digging through disjointed data and building reports from scratch is a time-killer. 

The Financial Analysis Report Template allows you to analyze income, expenses, and financial KPIs faster and smarter.

Track trends, compare performance, and auto-generate charts and variance reports without leaving your workspace. Additionally, add comments, assign follow-ups, and export investor (or lender)- ready summaries.

📈 Here’s why you’ll like this template

• Zero in on key performance indicators to guide growth decisions
• Benchmark results against previous months or industry targets
• Highlight profit drains and double down on what drives profitability

3. Break-Even Analysis Template

Not sure if your pricing is sustainable or scraping by? You’re not alone. This question keeps most founders up at night.

The Break-Even Analysis Template is a focused cash flow forecast template built to show exactly when revenue covers costs and when profit kicks in. It allows you to plug in your fixed and variable costs, try different pricing strategies, and test what-if scenarios in one place.

The best part? You can customize views and fields to match your business model and keep insights clear and decision-ready.

📈 Here’s why you’ll like this template

• Assess if your product or service will actually turn a profit or break even
• Spot razor-thin margins or delayed ROI before they hit your bottom line
• Collaborate by tagging teammates, adding notes, and tracking key assumptions

4. Sales Forecast Template

Sales planning isn’t about hitting quotas; it’s about staying ahead of demand, resources, and growth targets. The Sales Forecast Template links your pipeline to real outcomes, helping you monitor revenue, deals, and conversion metrics in one place.

Track lead sources, sales targets, and fulfillment costs using Custom Fields. Visualize forecasts by rep, product, or region and tweak assumptions as the market shifts. Everything updates in real time, so your projections always reflect reality.

📈 Here’s why you’ll like this template

• Forecast revenue to align with your cash flow strategy
• Uncover pipeline shifts before they disrupt planning
• Pinpoint gaps between projections and actuals to course-correct early

Here’s how Muhammad Asif Iqbal, Product Manager, Dubizzle Group, has used to handle finances effectively:

5. Business Expenses and Report Template

Cash flow problems often start on the expense side. Unexpected costs are one of the biggest financial disruptors for small businesses, and without structured tracking, even the best cash flow projections can fall apart.

The Business Expenses and Report Template brings order to the chaos. Track and control your spending in real time so you stay on budget, spot savings, and keep every dollar accounted for.

📈 Here’s why you’ll like this template

• Track spending daily, weekly, or monthly by category or department
• Centralize receipts and approvals for easy, audit-ready tracking
• Discover trends and long-term cost-saving opportunities

6. Budget Template

Managing a growing business means balancing ambition and affordability. The Budget Template helps you strike the right balance by providing a flexible, real-time view of your finances.

Break budgets down by team, category, or timeline. Assign owners, set limits, and trigger automations when crossing thresholds. From fixed costs to campaign spend, everything lives in one collaborative space, keeping teams aligned and your cash flow stable.

📈 Here’s why you’ll like this template

• Schedule budget releases to match your projected cash flow
• Prioritize spend based on impact, urgency, and liquidity
• Share visibility across departments without losing central control

7. Balance Sheet Template

Your cash flow tells you how money moves, and your balance sheet shows where you stand. The Balance Sheet Template gives you a pre-built, customizable layout to track assets, liabilities, and equity without the clutter.

Easily separate current vs. long-term assets and liabilities, add opening balances, and see how your financial position evolves. Use Custom Fields to tag transactions, group by account type, and attach supporting docs where needed.

Best of all? Your balance sheet updates as you work, so you always have an updated view of your business’s net worth.

📈 Here’s why you’ll like this template

• Track changes over time with version history and task comments
• Assign review tasks to team members with built-in due dates and reminders
• Attach audit notes or approvals directly to individual line items

8. Accounting Operations Template

Month-end close, reconciliations, journal entries—project accounting is full of repeatable tasks that demand precision. One delay throws your entire cash flow forecast off track.

The Accounting Operations Template keeps things tight and on schedule. From daily logs to quarterly reviews, it turns recurring accounting steps into trackable workflows with assignees, deadlines, and checklists.

Set automated reminders, assign approvals, and keep every stakeholder in sync so nothing slips, your reporting stays clean and clear, and cash flow is aligned.

📈 Here’s why you’ll like this template

• Get deadline reminders before critical tasks fall behind
• Assign and share tasks so every handoff stays visible
• Review past cycles to spot delays and improve your close process

9. Accounts Payable Template

When vendor invoices pile up across emails and spreadsheets, it’s easy to lose track of what’s due until it hits your cash flow. The Accounts Payable Template centralizes every invoice, due date, and payment term so you can prioritize outflows.

Customize fields to track vendor contracts, payment cycles, and approval status. Filter by urgency, department, or project to plan payouts around your available cash. With built-in automations and reminders, this cash flow projection template helps you stay in control.

📈 Here’s why you’ll like this template

• Digitize your payables to cut down on manual entry and scattered tracking
• Automate deadline alerts to avoid missed payments and late penalties
• Use real-time data to enhance cash flow forecasting and make informed decisions

10. Cost Analysis Template

Budget overruns don’t usually come from one big expense; they creep in through small, unchecked costs across teams and timelines. The Cost Analysis Template helps you catch them early.

Use it to track every cost line by project, department, or initiative. Compare projected vs. actual spending, evaluate ROI, and surface underperforming areas in real time. 

Whether you’re planning next quarter’s spending or justifying a new investment, this cash flow projection template gives you the visibility you need.

📈 Here’s why you’ll like this template

• Map costs to outcomes to guide smarter budget allocation
• Compare actual vs. expected spend to stop overruns before they scale
• Highlight inefficiencies across campaigns, departments, or vendors

11. 12-Month Cash Flow Forecast Template by Coefficient

Looking to map out your monetary movement for the year, without complex tools or a steep learning curve? This 12-month Cash Flow Projection Template from Coefficient offers a clear, spreadsheet-based way to plan your income and expenses month by month in Google Sheets or Excel.

The cash flow projection template is ideal for teams that need long-term visibility but want to avoid building from scratch. With editable categories, automatic calculations, and integrated charts, it helps you simplify cash flow projections while keeping reports accurate and shareable.

📈 Here’s why you’ll like this template

• Break down projected income and expenses across a 12-month timeline
• Customize fields to match your revenue model, seasonality, or cash cycle
• Spot trends quickly with integrated visual charts and dashboards

12. Excel Cash Flow Forecast Template by GTreasury

Need more structure for your high-volume financial operations? This Excel-based Cash Flow Project Template is built for precision. It lets you map actual vs. forecasted inflows and outflows on a weekly or monthly basis, giving you full financial visibility over time.

Easily adapt it to your internal reporting requirements, whether you’re tracking tax liabilities, intercompany transfers, or dividend schedules. It’s flexible, formula-ready, and designed for teams that live in spreadsheets but demand enterprise-level clarity.

📈 Here’s why you’ll like this template

• Monitor cash across multiple currencies and zero-balance accounts
• Add netting, interest, or adjustment rules without breaking formulas
• Focus on treasury-specific workflows like bank-level cash consolidation

13. Cash Flow Forecast Template by QuickBooks

If you’re already using QuickBooks Online, this Cash Flow Forecast Template completes your forecasting. It automatically pulls profit and loss and balance sheet data, generating a forward-looking view based on real trends.

No manual data dumps. Just a clean, spreadsheet-style layout that flags runway gaps, seasonal shifts, and cash shortfalls before they catch you off guard.

📈 Here’s why you’ll like this template

• Sync real-time cash flow data directly from QuickBooks Online
• Categorize cash flow and auto-calculate balances, all in a clean, ready-to-use format
• Spot seasonal slowdowns and low-cash periods before they disrupt your plans

14. Cash Flow Forecast Template by Conta

Freelancers and solo operators need a no-frills tool to track incoming invoices and recurring expenses. This Cash Flow Forecast Template from Conta offers a practical, monthly layout that makes it easy to map out invoices, retainer payments, and recurring expenses in one view.

With editable fields and built-in calculations, short-term cash planning is more predictable, even without a dedicated finance team.

📈 Here’s why you’ll like this template

• Use monthly columns to spot income gaps and timing issues
• Customize rows to reflect freelance-specific inflows and costs
• Keep things lean with a single-sheet format and auto-calculations

15. Cash Flow Projection Template by NFF

Running a nonprofit often means managing tight cash flow, complex funding streams, and time-bound grants, all while staying focused on your mission. This Excel-based Cash Flow Projection Template from NFF is purpose-built to help nonprofits plan and remain sustainable.

It offers a clear monthly view of income, expenses, and available cash, segmented by funding source and restriction type. Whether you’re awaiting a grant disbursement or mapping spending to a program timeline, it keeps your finances forecast-ready.

📈 Here’s why you’ll like this template

• Track income and expenses by funding source, including restricted and unrestricted grants
• Forecast cash availability based on donor cycles or grant disbursement schedules
• Align spending with program milestones and compliance requirements

Build a Stronger Business—One Cash Flow Projection at a Time With

Cash flow isn’t just a metric—it’s a necessity for your business. The right cash flow projection template turns uncertainty into strategy, giving you the clarity, control, and reliability to make smarter financial moves.

gives you all-in-one visibility, from budgets and expenses to automated workflows and approvals. The best part? ’s Free Forever Plan lets small businesses and solopreneurs access these powerful tools without stretching their budgets.

✅ Try for free—plan smarter, move faster, and keep your financial planning clear!

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