Managing your business finances can be a daunting task, especially when it comes to tracking cash flow. You might be struggling with complex calculations, confusing spreadsheets, and overwhelming financial jargon
This issue can lead to inaccurate financial reports, poor decision making, and could even put your business at risk. But what if there was an easier way to monitor your cash flow?
This is where our blog post comes in handy. In this post, we have compiled a list of the 17 best free cash flow templates in Google Sheets. These Google Sheets cash flow templates are designed to simplify your financial management process, providing you with a clear picture of your business’s financial health. So, say goodbye to financial stress and hello to streamlined cash flow management.
What is a Google Sheets Cash Flow Template?
A Google Sheets Cash Flow Template is a pre-formatted spreadsheet designed to help you track and manage your cash inflows and outflows.
Ideal for both individuals and businesses, these templates offer a simple way to get a quick snapshot of your financial health. Built for use in the cloud-based Google Sheets platform, these templates come with pre-configured formulas to automatically calculate key metrics like net cash flow.
This makes it easy to assess your financial situation without requiring advanced accounting skills. Being cloud-based, they also offer the advantage of real-time collaboration, making it easier for teams to work together on financial planning and analysis.
Best Google Sheets Cash Flow Templates
Here are our top picks for the best cash flow templates for Google Sheets:
1. Free Downloadable Cash Flow Template
Designed by Thomas Plaizier
This Free Downloadable Cash Flow Template, designed by Thomas Plaizier, is a valuable tool for small business owners who want to keep track of their cash flow efficiently. It’s a Google Sheets template that allows you to monitor the cash coming in and going out of your business, including operating cash flow from sales, investing cash flow from investments, and financing cash flow from loans.
The template also helps you calculate your beginning and ending cash balances, making it easier to understand your business’s financial health. It is user-friendly and customizable, allowing you to enter your business name and date for personalized record-keeping.
This cash flow statement template is an excellent resource for managing your business finances and ensuring your cash flow remains healthy.
2. Monthly Cash Flow Template
Designed by Vertex42
The “Monthly Cash Flow Template” by Vertex42 is a detailed Google Sheets template designed for comprehensive financial planning.
This powerful tool allows you to break down your monthly income and expenses, track your cash flow, and make informed decisions about your financial health. It provides sections for various sources of income and outflows, including payroll, business expenses, debts, living expenses, and savings.
The template allows you to examine your finances in detail, with fields for specific items such as auto maintenance, child care, eating out, groceries, and more.
The template provides a clear visual of your start and end cash balance for each month for the entire year, helping you plan and manage your budget effectively.
3. Weekly Cash Flow Template
Designed by Live Flow
The Weekly Cash Flow Template is a powerful tool designed to help you track and analyze your cash inflows and outflows on a weekly basis. Whether you’re a business owner or an individual, managing your cash flow is essential for maintaining financial stability.
The cash inflow section allows you to select profit and loss accounts and balance sheet accounts from the dropdown menus, making it easy to categorize your income sources. You can input estimates and actuals for each account, and the template will calculate the total cash inflow for the week.
Similarly, the cash outflow section allows you to select profit and loss accounts and balance sheet accounts to categorize your expenses. You can input estimates and actuals for each account, and the template will calculate the total cash outflow for the week.
At the end of each week, the template provides a summary of your cash balance, including the beginning and ending cash on hand. It also compares your ending cash balance to the minimum required cash balance, alerting you if your cash balance falls below the required threshold.
In addition, the template includes a check section, allowing you to verify the accuracy of your cash flow data by comparing it with the profit and loss by day and the balance sheet by day.
With the Weekly Cash Flow Template, you can gain a comprehensive understanding of your cash flow patterns and make informed financial decisions to ensure your financial stability and success.
This template was designed by Live Flow, a trusted provider of financial management tools.
4. Personal Cash Flow Statement Template
Adapted from an Excel Template by Excel Demy
This Google Sheets Personal Cash Flow Statement Template, adapted from an Excel template by Excel Demy, is a handy tool for managing your personal finances.
The template allows you to track your income and expenses in detail, categorized into various segments such as salary, profit, insurance, taxes, rent, loans, food, entertainment, utilities, memberships, personal consumption, and dining out.
A unique feature is the ability to visualize each category as a percentage of your total income or expense, enhancing your understanding of where your money is coming from and where it is going.
By calculating your net cash flow and showing your opening and closing balance, this template provides you with a clear view of your financial health and aids in better financial planning.
5. Cash Flow Analysis Template
Designed by ModelSheet Software
Efficiently manage your business’s cash flows with the Cash Flow Analysis Template. This financial spreadsheet solution enables you to predict cash shortfalls and excesses in advance, optimizing your financial plans.
This advanced model combines cash flow projections with an optional analysis of line credit. It generates a comprehensive overview of cash inputs and outputs, borrowing asset bases, loan balances, employee expenses, accounts payable and receivable data, along with optional features like account float estimation, planned versus actual cash flow comparison, and segmentation of cash flow into business segments.
Adjust the time grain feature to weeks, months, quarters, or years according to your requirements. Visualize key performance metrics with graphs and ensure your company stays financially ahead. A standard and basic version of this model is available, with an interactive and customizable format to suit your individual business needs.
6. Cash Flow Projection Template
Adapted from an Excel Template by Spreadsheet Page
The Cash Flow Projection Template provides a detailed breakdown of both incoming and outgoing cash over a ten-year period in millions of dollars. Incoming cash can include items like sales, loans received, new equity inflow, interest income, and other income.
Outgoing cash includes various types of expenses, such as purchases, wages, rent, utilities, advertising, and more. The template uses color coding for easy differentiation between input fields, linked cells, and calculations.
Each year’s projection is separated into months, and the template provides fields for the opening and closing balance for each period, thus welcoming detailed scrutiny of a company’s financial health throughout the year.
This Excel-adapted template is designed by Spreadsheet Page and is ideal for businesses looking to assess their financial future.
7. Cash Flow Forecast Template
Designed by Live Flow
This Cash Flow Forecast Template from Live Flow has been meticulously designed to help businesses predict their cash inflows and outflows.
The template covers aspects such as starting cash on hand, various incomes such as online and retail sales, and one-off incomes. It also factors in non-cash income items and balance sheet accounts like stock and capital.
More importantly, it encapsulates outflows in detail, including the cost of goods, delivery fees, marketing, subscriptions, travel expenses, payroll, and more. It also accounts for non-cash expense items and cash requirements alerts for maintaining the minimum required balance.
This template can also be used for cross-verifying the cash balance with the total bank accounts to ensure no discrepancies.
8. Discounted Cash Flow Template
Designed by Smartsheet Content
The Discounted Cash Flow Template from Smartsheet is an all-in-one solution for detailed financial analysis and business valuation. Designed for those with a detailed understanding of finance concepts, this comprehensive Google Sheets template allows you to capture all aspects of a company’s financial position in one place.
From corporate tax rates to detailed cash flow forecasts, this template caters to all your financial data needs. It includes placeholders to input past financial data with automatic formulae to calculate growth, costs, EBITDA, and more. It also allows you to predict future sales and growth, along with a robust structure for calculating net working capital.
In addition, this template provides an in-depth section for calculating Unlevered Beta and Relevered Beta based on the target debt/equity ratio, helping you assess risk more accurately. It also includes a Weighted Average Cost of Capital (WACC) calculation, providing a more comprehensive understanding of a company’s financial health.
The template concludes with the achievement of a business’s enterprise value along with implied multiples, giving investors a clear picture of the company’s worth. It also includes a terminal value model, allowing for the estimation of a business’s value into perpetuity.
This Discounted Cash Flow Template is perfect for finance enthusiasts, finance students, financial advisors, and business analysts who are looking to dive deep into a company’s financial health and predict future performance.
9. Budget Cash Flow Template
Designed by GooDocs
The Budget Cash Flow Template is a comprehensive tool designed to help businesses manage and predict their cash flow throughout the year. This Google Sheets template provides you with clear insight into the financial health of your business by tracking both cash inflows and outflows.
With this template, you can itemize your income from different sources, such as cash sales, loan proceeds, and owner contributions. It also helps you keep track of your expenses, including wages, rent, materials, utilities, advertising, and more.
It further breaks down the numbers by quarters for more granular forecasting. You can see the opening and available balances for each quarter, as well as the net cash change.
And thanks to color-coded sections for when your cash flow is positive or negative, you can easily spot trends and make necessary adjustments.
10. Restaurant Cash Flow Template
Designed by Live Flow
The Restaurant Cash Flow Template from Live Flow is a meticulously designed Google Sheets template that serves as a comprehensive financial guide for restaurant owners. It helps track and analyze both the income and expenses of your restaurant business.
The template includes categories like Online Sales, Retail Sales, and Sales of Product Income under “Income.“ The “Cost of Goods Sold“ section allows you to calculate the cost of items like T-Shirts, Shoes, and Delivery Fees.
“Expenses“ is an extensive category that captures not just your restaurant’s operational expenses but also marketing, subscriptions, travel, equipment, payroll, general, and research & development expenses.
The template also allows tracking of “Other Expenses” which includes Home G&A. The layout effectively leads to the calculation of your net income by considering every potential monetary flow in your restaurant business.
With the clarity it provides, this productivity tool aids in enhancing your profitability by allowing easy identification of unnecessary expenses and income opportunities.
11. Construction Cash Flow Template
Adapted from an Excel Template by Small Business Commissioner
The Construction Cash Flow Template is an invaluable financial tool designed to assist contractors and subcontractors in the construction industry in tracking and predicting the flow of cash in and out of their business.
This easy-to-use Google Sheets template offers a straightforward layout to track all aspects of cash flow. It starts with the opening balance and then provides space to record monthly cash inflow from various sources, such as contract payment claims, other receipts, and cash sales.
On the outgoing end, the template enables the tracking of various expenses like bank fees, fuel, material costs, site supervision, subcontractors, insurance, and waste removal, among others. It also accounts for less common expenses like PAYG Income tax installments, withholding tax, superannuation, net GST owing, and capital purchases.
At the end of the month, you can easily calculate the monthly cash balance, giving you a clearer picture of your financial health and helping you make informed financial decisions for your business throughout the year. This template is an adaptation of an Excel template by the Small Business Commissioner.
12. Cash Flow Graph Template
Designed by Layer
This Cash Flow Graph Template, powered by Layer, is a simple yet powerful tool for creating a financial model. Specifically designed for comprehensibility and customization, this template features four main segments for data input: Assumptions, HR, Software & Licenses, and Actuals.
The template comes with three output sheets: Summary, Cash, and P&L, which present, compute, and visualize data based on the information input in the remaining tabs. This makes it an ideal tool for financial planning, allowing you to map out potential cash flow paths and adjust budgetary assumptions.
13. Airbnb Cash Flow Template
Designed by Curtis Hearn
This Airbnb Cash Flow Template is a comprehensive financial planner designed specifically for those renting out property through Airbnb. Crafted by Curtis Hearn, this Google Sheets template breaks down all the costs associated with the purchase and running of a property, including purchase price, mortgage interest rate, down payment, closing costs, renovation budget, furniture budget, and more.
It helps you calculate your total cash upfront and the gross monthly rent you could earn from your property. It deducts all potential expenses such as property insurance, taxes, management fees, a sinking fund, and more to provide you with the net operating income.
The template also calculates your cash-on-cash return on investment, giving you a clear picture of the profitability of your Airbnb property operation.
This template is ideal for individuals managing Airbnb properties or those considering entering the space, as it offers an effective method for tracking costs and income.
14. Operating Cash Flow Template
Adapted from an Excel Template by Futurpreneur
Maintain a firm grasp of your company’s financial health with this comprehensive Operating Cash Flow Template.
This Google Sheets template is designed to track your business’s operating cash flow over a span of 12 months, providing an overview of your cash inflows and outflows during each month.
It covers a wide variety of financial components such as cash on hand, sales, collections, loans, expenses, purchases, wages, and much more, allowing you to keep track of your income and expenses in one place.
It also includes a section for essential operating data like sales volume, accounts receivable and payable, and depreciation. Adapted from a template by Futurpreneur, this resource is ideal for any business needing a practical and efficient way to monitor its cash flow.
15. Indirect Cash Flow Template
Adapted from an Excel Template by All Business Templates
This Indirect Cash Flow Template has been expertly designed for use in Google Sheets, adapted from an existing Excel template by All Business Templates. It presents an in-depth analysis of a company’s cash flow, providing comparisons across three different accounting systems: FRF for SMEs, Income Tax, and GAAP.
The template primarily separates the cash flow into three categories – Operating Activities, Investing Activities, and Financing Activities. It further breaks down each activity into subsets, such as Net Income, Depreciation, Deferred Income Taxes, and others – contributing to a comprehensive financial snapshot.
The template concludes with the net increase or decrease in cash over the period, providing the beginning and ending cash balances.
16. Hotel Cash Flow Template
Designed by Spreadsheet Daddy
This Google Sheets template, sourced from Spreadsheet Daddy, is specially designed for hotel businesses that want to monitor and manage their financial operations more effectively.
The template organizes cash flow into three primary activities: Operating Activities, Investing Activities, and Financial Activities. Each section allows you to document different financial transactions related to your hotel business. From regular operating costs to investments and dividends, this easy-to-use template helps ensure comprehensive financial tracking.
Moreover, the template includes the Net Cash Flow section to provide a clear view of your business’s financial health. The Stock-Based Compensation and Common Stock Dividends Paid sections are essential for businesses that engage in such activities.
Overall, this efficient and intuitively structured template caters to the needs of hotel owners, helping them make informed financial decisions for their business’ growth and sustainability.
17. Cash Flow Monitoring Template
Designed by Spreadsheet Daddy
This Cash Flow Monitoring Template from Spreadsheet Daddy is a highly efficient tool designed to keep track of your income, expenditure, and overall cash flow over an extended period, ensuring your financial management is streamlined and effective.
It breaks down your cash flow month by month, comparing your forecasted and actual income and expenditure.
This comprehensive overview makes it easy to spot trends, manage spending, and ensure the health of your finances. Whether you’re running a small business, freelancing, or managing your personal finances, this template is a must-have tool.
How to Make a Cash Flow Template in Google Sheets
You can easily and quickly create a cash flow template by following the step-by-step guide below!
Step 1. Choose a blank cell, then input the text you need. Change the font, size, color, and alignment by going to the toolbar menu.
Step 2. Next, pick the cells you want to merge, click the Merge icon, and select Merge All from the list that appears.
Step 3. Select the cells you need, hit the Border icon, and then choose the color, style, and type of border.
Step 4. Choose the cells you want to colorize, select the Fill color option, then pick a color from the palette that displays to alter the color of your template.
And there you have it—your cash flow template is complete!
FAQs
What is the cash flow formula?
The basic cash flow formula is Cash Inflows – Cash Outflows = Net Cash Flow. This calculates the net amount of cash coming into and going out of a business over a set period. Cash inflows typically include sales, loans, and investments, while cash outflows cover expenses like salaries, rent, and utilities.
How do I create a cash flow forecast in Google Sheets?
To create a cash flow forecast in Google Sheets, start by labeling columns for “Date,” “Cash Inflows,” “Cash Outflows,” and “Net Cash Flow.” Enter your projected incomes and expenses for future periods in the corresponding cells. Use formulas like SUM to calculate the total inflows, outflows, and net cash flow for each period. Depending on your business needs, you can extend these forecasts weekly, monthly, or yearly.
