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Free 12-Month Business Plan Cash-Flow Projection (Excel)

Every business plan and loan application needs a financial projection, and a blank spreadsheet is where most people stall. This free workbook builds one from a handful of assumptions: enter your starting revenue, growth, costs and opening cash, and it produces a full 12-month profit-and-loss and cash-flow — including the lowest cash point, which is the money you need to raise.

Download free — Excel (.xlsx) ↓Opens in Excel or Google Sheets · no sign-up

What's inside

  • Full 12-month P&L and cash-flow from five assumptions
  • Running closing-cash position, month by month
  • Lowest cash point flagged — your funding gap at a glance
  • Change any assumption and everything recomputes
  • Formulas locked; only the yellow cells accept typing

The tabs

  • Start Here (guide)
  • Assumptions
  • Projection
  • Dashboard

Yellow cells only. You type in the yellow cells; the rest are locked formulas. Gridlines are off and it prints clean on A4.

The Assumptions tab holds five inputs: month-1 revenue, monthly growth, cost of sales as a percentage of revenue, fixed monthly costs and your starting cash. The Projection tab then builds all twelve months — revenue, cost of sales, gross profit, fixed costs, net profit, and a running opening-and-closing cash position — so you can see the business's shape month by month.

The Dashboard summarises year one: total revenue, total net profit, the lowest cash point (your funding gap, flagged red if it goes negative) and the closing cash at month twelve. Change any assumption and the whole projection and every headline recomputes — so you can test a slower start or a leaner cost base in seconds.

It's a clean planning model, deliberately simple. For a full, integrated three-statement model with a DCF valuation — the kind an investor or bank analyst builds — see the 3-Statement Financial Model.

Do it online instead

Value a business live — free DCF tool

Open the free tool →

Frequently asked questions

What do I need to enter?

Just five assumptions: your month-1 revenue, the monthly growth rate, cost of sales as a percentage of revenue, your fixed monthly costs and your starting cash. From those, the whole 12-month projection builds itself.

How does it show my funding gap?

The projection carries a running cash balance, so the lowest closing-cash figure across the twelve months is the deepest point your cash reaches. If it's negative, that's the shortfall you need to fund — the Dashboard flags it in red.

Is this the same as the 3-Statement Financial Model?

No — this is a simpler planning projection for a business plan or loan application. The 3-Statement Financial Model is a full, integrated model (income statement, balance sheet and cash flow that balance) with a DCF valuation, for deeper analysis.