Cash Flow Tracker · Free · No account
Forecast the balance from dated receipts and payments.
The workbook includes a Cash Flow sheet and a Summary. Type each amount you expect, in or out, with its date, then the real date and amount when it happens. The Summary shows the balance today and in 30, 60 and 90 days.
- Excel 2016 and later
- Calculations checked in LibreOffice and Google Sheets
- Choose the columnsEdit the categories for money in and out. Add Client or supplier, Invoice, Tax in the amount, How sure or Project columns if you need them.
- Set the opening balanceDownload the workbook and, on the Settings sheet, type the balance in the account and the date it is for. Then add each expected amount.
- Update actual receipts and paymentsWhen money arrives or leaves, type the date and the real amount. The row turns grey and the balance today updates.
Build your workbook
Preview: Freelance or small business. Change the selected dates, categories or layout to update the preview.
JavaScript is required to use the builder. The workbook is made in your browser.
What you get
Today and ahead
The balance today, and in 30, 60 and 90 days, from actual and expected amounts.
Late money in
Anything past its expected date is marked ● with the days late and listed to chase.
Month by month
Money in, out and the closing balance for each of twelve months.
When money arrives
See when the balance runs low, with no ledgers or accounts to set up.
The Freelance or small business example
Nine categories, from Sales to Loan and Other, with Client or supplier, Invoice, Tax in the amount and How sure columns. The Summary sets aside tax on money in, leaves Possible amounts out of the forecasts and lists late money in.
Sheets included (5)
- Start HereHow the workbook works, what each sheet is for and the settings used.
- Cash FlowEvery amount in or out, expected and actual. Start typing in row 6.
- SummaryThe balance today and ahead, late money in, and month by month. Worked out from the Cash Flow sheet.
- ListsEdit the white lists to change dropdown choices. Shaded lists are fixed because formulas use those names.
- SettingsValues used by the workbook, such as reminder windows. Change them here.
File details
- Made for
- Excel 2016 and laterThe download is an .xlsx workbook.
- LibreOffice
- No calculation errors in our testLibreOffice recalculated every formula in the workbook with no error values, such as #VALUE! or #N/A.
- Google Sheets
- Calculations matched Excel in our testGoogle Sheets removes sheet protection and repeated print headings.
- Apple Numbers
- Some calculations do not workMany calculations on the Summary sheet do not work in Apple Numbers. Numbers converts list-based dropdowns to plain cells and removes colour markers, sheet protection, frozen headings and number and date validation. Use Excel for these calculations and features.
- Calculations
- The Start Here sheet lists the calculations used in this workbook. Results update from the entries you add.
- Builder privacy
- The builder runs in your browser. The entries used to make the workbook stay on your device. How the utilities work
Examples
Freelance cash flow forecast
Freelancers and small traders who wait on client payments and need to see a gap before the rent is due.
Cash flow by project
Builders, agencies and consultants who run several jobs at once and need to know which one is behind on payment.
Personal cash flow forecast
People on a salary or benefits who want to know the balance before the end of the month.
Questions
Are my builder entries sent to Due Form?
No. The builder uses them in your browser to make the workbook on your device.
Information is sent to Due Form when you submit a form or use another service described on the How it works page.
Is cash flow the same as profit?
No. Cash flow is when money arrives and leaves. A well-paid job can still leave the account short until the client pays.
How does the workbook treat money I have not received yet?
Expected amounts count on their expected date. Once a row has an actual date and amount, those replace the expected ones and the row turns grey.
Can I print the Summary?
Yes. The Summary prints portrait, and the Cash Flow sheet prints landscape with its header row repeated on each page.
Do I need to know bookkeeping?
No. There are no ledgers or accounts to set up. Each row is money in or out, a date and an amount, with notes if you want them.
Related Due Form edition
The Week Book
An undated thirteen-week planner for commitments, available time, chosen work and what changed.
Use it to plan which work to take on in each week of the forecast.
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Tell us what you would like to add, change or fix in the Cash Flow Tracker builder.