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Free Daily Cash Flow Tracker (Excel, KES): money in, money out, running balance

A business can be profitable on paper and still run out of cash, and that is what sinks wholesalers. This free cash flow tracker keeps you ahead of it: log each day's sales, other income, M-Pesa and bank receipts and every expense, and the daily balance, a running balance and a monthly in, out and net summary work themselves out.

Choose free basic or KES 500 premium · opens in Excel or Google Sheets
Prefer Google Sheets? You don't need Microsoft Excel →
  1. Download the file above.
  2. Open Google Drive, then New → File upload and choose the file.
  3. Right-click it in Drive → Open with → Google Sheets. It becomes a fully editable Google Sheet — every formula and tab intact — and works on your phone too.

The .xlsx format opens free in Google Sheets, LibreOffice, or Excel for the web — no paid software required.

What's inside

  • One row per entry for sales, M-Pesa, bank and expenses
  • Daily balance and a running balance worked out for you
  • Expenses tagged by category for clean monthly totals
  • Monthly in, out and net with a full-year total
  • KES throughout; only the yellow cells accept typing
  • Works in Excel, WPS or Google Sheets, on a phone too

The tabs

  • Start Here (guide)
  • Daily Log
  • Monthly Summary

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

Basic vs Premium

The free version does the job. The premium does more of it.

The free basic workbook above is a complete, formula-driven template you can use forever. The premium upgrade adds the extras that turn record-keeping into a management tool.

Basic — Free

  • The core sheets and formulas, in KES
  • Works in Excel or Google Sheets, on your phone
  • Yours to keep, no sign-up

Premium — KES 500

  • A cash-flow dashboard with money in vs out and a running-balance trend, drawn as bars
  • An analysis of income by channel and spending by category
  • A printable A4 monthly cash-flow statement
  • Kiswahili labels alongside English (Mapato, Matumizi, Salio)
Get Premium — KES 500 · Excel (.xlsx) ↓Pay once via M-Pesa (Kenya) · yours to keep · opens in Excel or Google Sheets

On Daily Log, add a row for each entry, the date and any money in (sales, other income, M-Pesa, bank) or an expense (pick a category and type the cash out). Money in, the daily balance of in minus out and the running balance all fill in on their own, with a negative balance in red and a positive one in green.

The Monthly Summary rolls every entry up into money in, money out and net for each month with a full-year total. Yellow cells are your only inputs. The premium version adds a dashboard of in versus out by month and a running-balance trend, a channel and category analysis, and a printable A4 monthly cash-flow statement. Opens in Excel, WPS or Google Sheets.

Do it online instead

Track cash, stock and margins with Biashara Yangu

Open the free tool →

Custom work

Need a template made just for you?

Can't find the exact workbook, or want one branded and built around how your business actually runs? We build custom Excel & Google Sheets — bespoke financial models, dashboards, sector trackers, data clean-up and automation. Need it in English or Kiswahili, or another language? Just ask. Tell us what you need and we'll quote.

Request a custom template or Excel service →Email info@leadafrik.com

Frequently asked questions

Is the basic version free?

Yes. The basic cash flow tracker is free to download and keep. The premium upgrade, with a dashboard, a channel and category analysis, and a printable monthly cash-flow statement, is an optional KES 500.

Does it separate M-Pesa and bank from cash?

Yes. The Daily Log has columns for sales, other income, M-Pesa in and bank in, so you can see which channel your money comes through while the totals still roll up correctly.

Is this a proper set of accounts?

It is an honest record-keeping and cash-flow aid for a small business, not an audited financial statement or a substitute for a bookkeeper. It keeps your day-to-day cash clear so you always know your position.

Tools & templates you may need

Business Profit Dashboard →Customer Credit Tracker →Sales & Invoicing System →Wholesale Inventory Management →Stock Reorder Calculator →Purchase Order Tracker →Supplier Management System →Delivery & Dispatch Log →VAT & Tax Tracker →Biashara Yangu — free shop-books app →All templates →

Available in English, with Kiswahili labels in the premium version. Need it in another language, or a custom build? Email info@leadafrik.com.