Sign up to our webinar! ‘Future Planning for your clients... AND charging for it’
Register Now

A guide to using templates to create cash flow projections

Read our introductory guide on how to create cash flow projections using templates.

Managing cash flow is one of the most critical processes for (small) businesses. Part of effectively managing your cash flow is understanding the future of inflows and outflows through solid cash flow projections. A business projection template can be an essential help in forecasting cash flow. It can give you better insight into your company's finances and improve your cash flow forecasting. This is why we've compiled this short guide to annual cash flow projection templates and how to use them.

Cash flow projection templates explained

These templates are simply designed to show how much money is expected to flow in and out of your business within a given time period. It can be used for cash flow management by standardizing the process of creating cash flow projections. Usually, the templates cover a 12-month period of future business finances, but there are some for longer periods of time. The template should reflect your business’s likely expenses and revenue sources, giving you an idea of your cash balance in the future and thereby helping to ensure that capital is available in case of an emergency.

Cash flow projection
Futrli Predict can help to automate your cash flow projections - it uses the Direct and Indirect methods of forecasting.

Why can these templates be important?

On a basic level, cash flow projection templates are important to cash flow management, because they provide you and your business with insight into your likely future cash flow. This allows you to avoid any cash flow problem and plan for the future. A business template can show you any future changes in revenue that are likely to occur - this allows you to react to that through eg launching a sales drive, or cutting overheads. These templates are also useful for companies trying to borrow money or get other funding.

How to create your business's cash flow projection template - improve your cash flow management

  1. Produce a sales forecast – Create a prediction of how much you are likely to sell throughout the given period (usually 12 months) Accurate predictions can be tricky, so think about trends from previous years, potential new contracts, and your business’s objectives, i.e., expanding into a new market.
  2. Create a profit and loss forecast – To create a profit and loss statement of future profits, combine your running costs with your income (taking into account payment dates, the cost of sales, subscription costs, and non-cash costs)
  3. Create a cash flow forecast – Create an overview of the cash coming in and going out of your business - this is done by referring to your sales forecast and profit and loss forecast

Where do I get free templates from?

There is a number of different sources you find annual cash flow projection templates online. Microsoft Office, Smartsheet, and Business Accounting Basics all offer free cash flow projection templates for Excel that you can download and try for yourself. This can be an excellent option for small business owners.

Annual budget spreadsheet
There is a number of different sources you find annual cash flow projection templates online.
Watch the Webinar Recording

Start Your Free Trial

Let informed predictions and powerful reporting guide your business. Be ahead of the curve with Futrli.

Get business advice here

Our blog holds tips, how to’s and general business advice.

Futrli News

Futrli's February 2024 Release

This is some text inside of a div block.


Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat.

Futrli News

Futrli's February 2024 Release


3 Apps to beat accounting blues and scale your firm

Chris Downing catches up with three accounting app innovators to discuss the apps that they have developed that directly help accountants.


Where most prediction software falls short

Tread carefully when looking for prediction software. Find out how to dig deeper into your predictions with the tools that count.

Small Businesses

Cash is King! 4 ways to keep your cash flow healthy.

Cash flow is essential to your business’ survival. Read our top 4 tips for taking control of your cash flow.

Small Businesses

10 Common Cash Flow Forecast Hurdles

If there’s one thing that all small and medium-sized enterprises should prioritise, it’s their cash flow. Read on to find out the top 10 most common issues.


Empowering Accountants: How to Embrace Uncertainty with Futrli

The future is far from certain. Find out how Futrli helps accountants wade their way through murky, grey, “This might happen”-type scenarios.

Small Businesses

Inflation affecting your hospitality business? Take back control with these three steps.

Acting quickly is key to ensure you can ride out the incoming storm. Find out more in this article.

Small Businesses

Why cash flow forecasting helps businesses survive downturns in trade

Learn how cash flow forecasting is crucial for surviving slower trading periods.


The 7 reasons why SMEs struggle with cash flow management

Find out the 7 major reasons why your clients’ businesses struggle to achieve a positive, healthy, consistent cash flow.


Take clients from compliance to scenario planning in five steps

Scenario planning helps your clients imagine different environments or realities in the future, guiding the plans and decisions your clients make.


Flash reports and why to build them

This short guide covers what Flash Reports are and how you could use them as a speedy solution for your clients’ reporting needs.

Small Businesses

Head of Accounting and Futrli COO discuss challenges and solutions for small businesses.

Read Dan and Helen’s thoughts on how SMEs can protect themselves during what is set to be a challenging year.