Cash Flow & Cash Management Templates
Know exactly how much cash you have, and how much you will have next month. Profit on paper doesn't pay salaries; cash in the bank does. These Excel cash flow templates help small businesses track money in and out, forecast the weeks ahead, reconcile the bank and keep petty cash and till records tidy.
What's in this collection
- Cash Flow Tracker: record receipts and payments by category and always see your running bank balance.
- 13-Week Cash Flow Forecast: plan cash week by week for the next quarter and spot your lowest cash point before it arrives.
- Bank Reconciliation: match the bank statement with your cash book and prove the difference is zero.
- Petty Cash Log and Daily Cash Count & Till Reconciliation: control small expenses and catch till shortages the same day.
- Cheque and receivables tools, such as the PDC Tracker, so post-dated cheques never surprise you.
Who these templates are for
Owner-managed businesses, shops, restaurants, contractors and freelancers who want a clear view of cash without accounting software, and accountants who need a quick forecasting file for clients.
A simple weekly cash routine
- Once a week, update the cash flow tracker with actual receipts and payments from your bank.
- Roll the 13-week forecast forward: replace last week's estimate with the actual figures and add a new week at the end.
- Check the lowest balance in the forecast. If it dips below your safety buffer, act now by chasing receivables, timing supplier payments or arranging finance.
- Reconcile the bank account monthly so your figures stay accurate.
Why a cash forecast matters
Most small businesses that get into trouble don't run out of customers; they run out of cash between paying suppliers and getting paid. A rolling forecast gives you weeks of warning instead of days, and makes conversations with your bank or partners far easier.
Want the full finance toolkit? See our bundles or get 25 business templates for AED 29 in the value packs.
Frequently asked questions
What's the difference between a cash flow tracker and a cash flow forecast?
A tracker records what has already happened. A forecast projects what will happen. Use both: the tracker keeps the forecast honest.
Is this the same as a cash flow statement for financial reports?
No. These are management tools for day-to-day decisions. A formal cash flow statement for audited accounts should be prepared by your accountant.
Can I track more than one bank account?
Yes. Add an account column or keep one copy of the tracker per account; the formulas work either way.
Do I need advanced Excel skills?
No. You type figures into the white input cells and the formulas do the rest. Each file has a How to Use sheet.
