Forecasting cash ow*
The cash ow forecast template will help you detail the cash coming into and going
out of your business on a monthly basis so you can forecast future surpluses and
shortfalls.
The template automatically calculates the
following on a month-to-month and total
basis for the forecast period:
Total receipts – incoming cash
Total cash payments – outgoing cash
Net cash ow
Closing bank balance
Forecasting sales
By entering your expected incoming
receipts, you’ll have a better idea of issues
coming up.
Use last year’s sales or your current sales
history, if any, as a basis for upcoming
sales. Take any opportunities or threats into
account. If you’re a start-up, you’ll need to
look at industry trends, market demand, and
your competitors, to come up with expected
sales estimates for the coming months.
Estimating expenses
All businesses have bills to pay each month
such as direct costs like materials, stock,
and packaging, and overhead like rent,
taxes, power, website hosting, salaries, and
insurance. They all add up.
This information is critical in ensuring that
you set the right sales targets.
Predicting money in and
money out
Forecasting your receipts and comparing
them to your expenses each month is useful
in establishing targets, monitoring your cash
on hand, keeping an eye on your expenses,
and addressing any projected shortfalls or
windfalls. It’s all about money coming in
versus money going out – hopefully with a
positive balance.
If it looks as though you’ll come up short,
you may want to start a conversation with
your business banker about a short-term
business loan.
Answer the ‘what if?’ question
Use the cash ow forecast template to run
through scenarios such as:
What if you hire a full-time sales
person?
What happens if you borrow money?
What if you add new equipment?
What if you Increase capacity?
Use the template to crunch the numbers,
taking into account additional revenues
your investment might bring in, as well as
associated expenses.
How to use the template
Enter an estimate for the following
information into the template:
1. Opening bank balance – the cash you
have on hand.
2. Receipts – sales and other revenue
for each month.
3. Direct costs – materials, stock, and
packaging.
4. Overhead costs – recurring monthly
costs such as rent & utilities.
RECEIPTS
Cash ow forecast
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Sales
Other revenue
Total receipts
LESS PAYMENTS
Direct costs
Materials
Stock
Packaging
Other
Sub total for direct costs
Overheads
Accounting
Bank Fees
Cleaning
Freight and postage
Insurance
Interest
Marketing and advertising
Motor vehicle expenses
Power
Rent
Repairs and maintenance
Salaries and employee expenses
Subscriptions
Tax
Telephone
Web site hosting and maintenance
Sub total for overheads
Total cash payments
Net cash ow
Opening bank balance
Closing bank balance
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
Other
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
Other
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
Other
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
Other
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
$ 0
Clear form
Important Disclosures
*These tools and other information are copyrighted 2019 by The Small Business Company, Ltd. (“TSBC”) and used under license by TD
Bank, NA. This information has been prepared by TSBC for general informational purposes only. TSBC is solely responsible for the
content. Any opinions expressed herein belong to TSBC and do not necessarily reect the opinions of TD Bank, N.A. or any of its aliates,
directors, ocers or employees. These materials are not intended to provide legal, tax or accounting advice or to suggest that you engage
in any specic transaction. TD does not endorse or guarantee the accuracy of the information provided by TSBC, or any other third party
and the information does not necessarily represent TD’s business practices or experience. Neither TD nor TBSC makes any representation
or guarantee as to the accuracy and/or reliability of such information nor shall any of TD or TBSC or their respective employees be liable
for any loss or damages suered as a result of any use of such information. Please consult your own counsel, accountant or other advisor
regarding your specic situation. Any reliance upon any such information is solely and exclusively at your own risk.
Under no circumstances should any information contained in the materials presented be used or considered as an oer or commitment, or a
solicitation of an oer or commitment, to participate in any particular transaction or strategy or should it be considered legal or tax advice.
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providers and payers are provided by TD Bank, N.A., Member FDIC. Lending and leasing products and services, including card services
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