Cash Flow Spreadsheet
See the cash crunch coming twelve weeks early.
For businesses that are profitable on paper but keep meeting payday with a knot in the stomach.
Cash Flow Spreadsheet is an 8-tab Excel and Google Sheets workbook. 4 you type into, 2 calculated from those and 2 you set once. No macros, so it opens without a security warning.
- Dashboard The lowest balance ahead of you, what is safe to spend now, what happens if only some of the money lands, and the next big expense.
- 13-Week Plan Thirteen weeks of opening balance, money in, money out and closing balance, built from the sheets below.
- Money In Description, who it is from, invoice date, expected date, amount, and whether it has landed yet.
Filed under cash flow & budgeting.
7 of the 8 tabs, exactly as they look in the file. Click a tab to look inside.
Sound familiar?
What's inside, tab by tab
You only ever type in the highlighted input cells. Everything else is calculated from what you type.
| Tab | What you do | What it does |
|---|---|---|
| Tab 1Start Here | Set once, never again | A one-page setup guide inside the workbook. Enter your basics once, in about 5 to 10 minutes. |
| Tab 2Dashboard | Calculated for you | The lowest balance ahead of you, what is safe to spend now, what happens if only some of the money lands, and the next big expense. |
| Tab 313-Week Plan | Calculated for you | Thirteen weeks of opening balance, money in, money out and closing balance, built from the sheets below. |
| Tab 4Money In | You type here | Description, who it is from, invoice date, expected date, amount, and whether it has landed yet. |
| Tab 5Money Out | You type here | Description, category, due date and amount. |
| Tab 6Big Expenses | You type here | What it is, the amount, how often it repeats in weeks and when it is next due. It works out what to put aside each week. |
| Tab 7Date Fixer | You type here | Paste dates that came out of a bank export as text and it shows you which ones Excel has misread, then hands back clean ones. |
| Tab 8Settings & Lists | Set once, never again | The Monday your thirteen weeks run from, the currency, and the lists the rest of the workbook reads. |
Want one quick number first? The free break-even calculator finds the sales you need to cover fixed costs. It runs in your browser, no sign-up.
Built like software, priced like a spreadsheet
Enter your data; totals, flags and the dashboard update instantly.
Checked cell by cell before release. Find one and we will fix it.
Formula cells are protected. You can only type where typing is safe.
Both versions in every purchase. No converting, no broken references.
Clean report pages for your records, your accountant, or your next meeting.
Delivered by Etsy the moment you pay. Free updates to this template forever.
How it works
Secure checkout through Etsy, no account needed here.
The Excel file and the Google Sheets link arrive immediately.
Type into the highlighted cells and every total is calculated from what you typed.
Questions, answered
Do I need a paid Excel version?
Any desktop Excel from 2016 onward works, including Microsoft 365. If you don’t have Excel at all, use the included Google Sheets version. It’s free.
Does it fully work in Google Sheets?
Yes. The Google Sheets version is made from the same file as the Excel one and checked in Google Sheets before release. Every formula uses functions that work the same in both.
Is this a one-time purchase?
Yes. One payment, no subscription. You keep the files forever and get free updates to this template.
What does it not do?
It does not connect to your bank, accounting software or shop, and it does not import statements. It is not a profit and loss statement: cash flow is about when money moves, not whether you made a profit. None of it is financial advice.
What’s the refund policy?
Refunds follow Etsy’s rules for digital downloads. If a template doesn’t work as described, email support@elecart.us and we will fix it.
What if I get stuck?
Email support@elecart.us and the person who built the template answers, usually within one business day. Etsy Messages works too.
How much data can it handle?
Input tabs are sized generously and tested with full sample data: enough for years of typical use. Need more room? Duplicate the file per year, or email support for an extended version.
See the cash crunch coming twelve weeks early.
$3.29, once, 70% off until Nov 28. Yours forever, with free updates.
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