Small Business Victoria: Information sheet

Cash flow worksheet

Cash flow scenario planner
Changes in sales income 0%
Changes in expenses 0%
Month * Month one Month two Month three Month four Month five Month six
Month
seven
January February March April May June July
Cash balance at the start of each
month #
$5,000 $7,671 -$1,167 $2,448 $5,974 -$3,248 $1,240
Operating revenue
Cash reciepts from customers $2,200 $2,200 $2,420 $2,640 $2,772 $2,860 $3,080
Collection of recievables $2,745 $3,102 $3,258 $3,498 $3,795 $4,046 $4,217
Other operating revenue received $0 $0 $0 $0 $0 $0 $0
Total Operating Revenue
$4,945 $5,302 $5,678 $6,138 $6,567 $6,906 $7,297
Other Sources of Cash Inflows
Proceeds from sale of assets
Funds borrowed $20,000
Tax refund/rebates
Other sources of cash inflow
Total other cash inflows
$0 $20,000 $0 $0 $0 $0 $0
Total monthly cash in $4,945 $25,302 $5,678 $6,138 $6,567 $6,906 $7,297
Inventory (Stock)
Stock purchases
12,012 13,728
Other Cost of Goods
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain English
explanation of cash flow.
How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your
cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and
report.
Cash in (record when actually recieved)
Cash out (record when actually paid)
Total Cost of Goods
$0 $12,012 $0 $0 $13,728 $0 $0
General & Administrative
Bank charges
17 17 17 17 20 18 20
Credit card commission
Accounting/Legal/Consultant fees
Office Supplies
22 22 22 22 22 22 27
License fees
Business insurance
Etc.
Total General &
Administrative
$39 $39 $39 $39 $42 $40 $47
Marketing & Promotional
Advertising
275 275 275
Promotion - General
Promotion - Other
Etc.
Total Marketing &
Promotional
$275 $0 $0 $275 $0 $0 $275
Operating Expenses
Newspapers & magazines
Parking/Taxis/Tolls
Entertainment/Meals
Travel/Accomodation
Laundry/dry cleaning
Cleaning & cleaning products
Sundry supplies
Equipment hire
Etc.
Total Operating Expenses
$0 $0 $0 $0 $0 $0 $0
Motor Vehicle Expenses
Fuel
500 358 275 302
Vehicle service costs
Tyres & other replacement costs
Insurance
300
Registrations
Total Motor Vehicle
Expenses
$0 $300 $0 $500 $358 $275 $302
Website Expenses
Domain name registration
Hosting expenses
110
etc
Total Website Expenses
$0 $110 $0 $0 $0 $0 $0
Employment Expenses
Permanent
Salaries/Wages
1,230 1,230 1,230 1,230 1,230 1,230 1,230
PAYE
260 260 260 260 260 260 260
Superannuation
135 135 135 135 135 135 135
Other - Employee Benefits
Recruitment costs
Total Perm. Employ Exp
$1,625 $1,625 $1,625 $1,625 $1,625 $1,625 $1,625
Casual
Salaries/Wages
PAYE
Superannuation
Other - Employee Benefits
Recruitment costs
Total Casual Employ Exp
$0 $0 $0 $0 $0 $0 $0
Workcover Insurance
Total Employment Expenses
$1,625 $1,625 $1,625 $1,625 $1,625 $1,625 $1,625
Occupancy Costs
Electricity/Gas
130
Telephones
30 54 64 43 36 43 75
Property Insurance
305
Rates
Rent
Repair & maintenance
Waste removal
Water
Etc.
Total Occupancy Costs
$335 $54 $64 $173 $36 $43 $75
Other Expenses
Bank Interest
GST
335 435
Total Other Expenses
$0 $0 $335 $0 $0 $435 $0
Other Cash Outflows
Purchase of assets
20,000
One-off bank fees
Principal Loan repayments
Payments to the owner/s
Investment of surplus funds.
Other cash inflows
Total Other Cash Outflows
$0 $20,000 $0 $0 $0 $0 $0
Total monthly cash out $2,274 $34,140 $2,063 $2,612 $15,789 $2,418 $2,324
Net difference $2,671 -$8,838 $3,615 $3,526 -$9,222 $4,488 $4,973
Cash balance at the end of each
month
$7,671 -$1,167 $2,448 $5,974 -$3,248 $1,240 $6,213
Notes:
To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance.
Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and
agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
Net difference shows if more cash came in, than went out, or vice versa; and how much.
Month eight Month nine Month ten Month eleven
Month
twelve
Total
August September October November December
$6,213 $2,661 $7,303 $13,093 -$1,116
$3,168 $3,212 $3,300 $3,388 $3,080 $34,320
$4,475 $4,666 $4,778 $4,891 $5,016 $48,487
$0 $0 $0 $0 $0 $0
$7,643 $7,878 $8,078 $8,279 $8,096 $82,807
$0
$20,000
$0
$0
$0 $0 $0 $0 $0 $20,000
$7,643 $7,878 $8,078 $8,279 $8,096 $102,807
8,580 20,592
$54,912
$0
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain English
explanation of cash flow.
How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your
cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and
report.
Cash in (record when actually recieved)
Cash out (record when actually paid)
$8,580 $0 $0 $20,592 $0 $54,912
20 18 20 18 18 220
$0
462
$462
22 22 22 22 28
$275
$0
$0
$0
$504 $40 $42 $40 $46 $957
275
$1,100
$0
$0
$0
$0 $0 $275 $0 $0 $1,100
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0 $0 $0 $0 $0 $0
330 347 275 198 110
$2,695
$0
$0
$300
$0
$330 $347 $275 $198 $110 $2,995
$0
$110
$0
$0 $0 $0 $0 $0 $110
1,230 1,230 1,230 1,230 1,230
$14,760
260 260 260 260 260
$3,120
135 135 135 135 135
$1,620
$0
$0
$1,625 $1,625 $1,625 $1,625 $1,625 $19,500
$0
$0
$0
$0
$0
$0 $0 $0 $0 $0 $0
$0
$1,625 $1,625 $1,625 $1,625 $1,625 $19,500
130 160
$420
26 44 71 33 30
$549
$305
$0
$0
$0
$0
$0
$0
$156 $44 $71 $33 $190 $1,274
$0
1,180 400
$2,350
$0
$0
$0
$0
$0
$0 $1,180 $0 $0 $400 $2,350
$20,000
$0
$0
$0
$0
$0
$0 $0 $0 $0 $0 $20,000
$11,195 $3,236 $2,288 $22,488 $2,371 $103,198
-$3,552 $4,642 $5,790 -$14,209 $5,725
$2,661 $7,303 $13,093 -$1,116 $4,609
To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance.
Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and
agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
Net difference shows if more cash came in, than went out, or vice versa; and how much.
95%
90%
80%
75%
70%
65%
60%
55%
50%
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
-5%
-15%
Small Business Victoria: Information sheet
Cash flow worksheet
Cash flow scenario planner
Changes in sales income
Changes in expenses
Month * Month one Month two Month three Month four Month five Month six
Month
seven
Month eight Month nine Month ten Month eleven
Month
twelve
Cash balance at the start of each
month #
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Operating revenue
Cash reciepts from customers
Collection of recievables
Other operating revenue received $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Operating Revenue
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other Sources of Cash Inflows
Proceeds from sale of assets
Funds borrowed
Tax refund/rebates
Other sources of cash inflow
Total other cash inflows
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain English
explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from
the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)
How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your
cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and
report.
Cash in (record when actually recieved)
Total monthly cash in $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Inventory (Stock)
Stock purchases
Other Cost of Goods
Total Cost of Goods
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
General & Administrative
Bank charges
Credit card commission
Accounting/Legal/Consultant fees
Office Supplies
License fees
Business insurance
Etc.
Total General &
Administrative
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Marketing & Promotional
Advertising
Promotion - General
Promotion - Other
Etc.
Total Marketing &
Promotional
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Operating Expenses
Cash out (record when actually paid)
Newspapers & magazines
Parking/Taxis/Tolls
Entertainment/Meals
Travel/Accomodation
Laundry/dry cleaning
Cleaning & cleaning products
Sundry supplies
Equipment hire
Etc.
Total Operating Expenses
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Motor Vehicle Expenses
Fuel
Vehicle service costs
Tyres & other replacement costs
Insurance
Registrations
Total Motor Vehicle
Expenses
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Website Expenses
Domain name registration
Hosting expenses
etc
Total Website Expenses
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Employment Expenses
Permanent
Salaries/Wages
PAYE
Superannuation
Other - Employee Benefits
Recruitment costs
Total Perm. Employ Exp
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Casual
Salaries/Wages
PAYE
Superannuation
Other - Employee Benefits
Recruitment costs
Total Casual Employ Exp
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Workcover Insurance
Total Employment Expenses
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Occupancy Costs
Electricity/Gas
Telephones
Property Insurance
Rates
Rent
Repair & maintenance
Waste removal
Water
Etc.
Total Occupancy Costs
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other Expenses
Bank Interest
GST
Total Other Expenses
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other Cash Outflows
Purchase of assets
One-off bank fees
Principal Loan repayments
Payments to the owner/s
Investment of surplus funds.
Other cash inflows
Total Other Cash Outflows
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total monthly cash out $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Net difference $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Cash balance at the end of each
month
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Notes:
Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees
and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
Net difference shows if more cash came in, than went out, or vice versa; and how much.
To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance.
95% 95%
90% 90%
80% 80%
75% 75%
Total
70% 70%
65% 65%
60% 60%
55% 55%
$0
50% 50%
$0
45% 45%
$0
40% 40%
$0
35% 35%
30% 30%
25% 25%
$0
20% 20%
$0
15% 15%
$0
10% 10%
$0
5% 5%
$0
0% 0%
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain English
explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from
the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)
How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your
cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and
report.
-5% -5%
$0
-15% -15%
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Cash out (record when actually paid)
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Small Business Victoria: Information sheet
Cash flow worksheet
Cash flow scenario planner
Changes in sales income 0%
Changes in expenses 0%
Month * Month one Month two Month three Month four Month five Month six
Month
seven
Cash balance at the start of each
month #
$0 $0 $0 $0 $0 $0 $0
Operating revenue
Cash reciepts from customers $0 $0 $0 $0 $0 $0 $0
Collection of recievables $0 $0 $0 $0 $0 $0 $0
Other operating revenue received $0 $0 $0 $0 $0 $0 $0
Total Operating Revenue
$0 $0 $0 $0 $0 $0 $0
Other Sources of Cash Inflows
Proceeds from sale of assets
0 0 0 0 0 0 0
Funds borrowed
0 0 0 0 0 0 0
Tax refund/rebates
0 0 0 0 0 0 0
Other sources of cash inflow
0 0 0 0 0 0 0
Total other cash inflows
$0 $0 $0 $0 $0 $0 $0
Total monthly cash in $0 $0 $0 $0 $0 $0 $0
Total Cost of Goods $0 $0 $0 $0 $0 $0 $0
Total General & Administrative $0 $0 $0 $0 $0 $0 $0
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain English
explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it
from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)
How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your
cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and
report.
Cash in (record when actually recieved)
Cash out (record when actually paid)
Total Marketing & Promotional $0 $0 $0 $0 $0 $0 $0
Total Operating Expenses $0 $0 $0 $0 $0 $0 $0
Total Motor Vehicle Expenses $0 $0 $0 $0 $0 $0 $0
Total Website Expenses $0 $0 $0 $0 $0 $0 $0
Total Perm. Employ Exp $0 $0 $0 $0 $0 $0 $0
Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0
Workcover Insurance $0 $0 $0 $0 $0 $0 $0
Total Occupancy Costs $0 $0 $0 $0 $0 $0 $0
Total Other Expenses $0 $0 $0 $0 $0 $0 $0
Other Cash Outflows
Purchase of assets
0 0 0 0 0 0 0
One-off bank fees
0 0 0 0 0 0 0
Principal Loan repayments
0 0 0 0 0 0 0
Payments to the owner/s
0 0 0 0 0 0 0
Investment of surplus funds.
0 0 0 0 0 0 0
Other cash inflows
0 0 0 0 0 0 0
Total Other Cash Inflows
$0 $0 $0 $0 $0 $0 $0
Total monthly cash out $0 $0 $0 $0 $0 $0 $0
Net difference
(subtracts the Cash out from Cash
in)
Cash balance at the end of each
month
$0 $0 $0 $0 $0 $0 $0
Notes:
$0 $0 $0 $0
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
Net difference shows if more cash came in, than went out, or vice versa; and how much.
To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance.
Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and
agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007
$0 $0 $0
Month eight Month nine Month ten Month eleven
Month
twelve
Total
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain English
explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it
from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)
How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your
cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and
report.
Cash in (record when actually recieved)
Cash out (record when actually paid)
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
Net difference shows if more cash came in, than went out, or vice versa; and how much.
To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance.
Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and
agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007
$0 $0 $0
95%
90%
80%
75%
70%
65%
60%
55%
50%
45%
0%
-5%
-10%
-15%
Small Business Victoria: Information sheet
Cash flow worksheet
Cash flow scenario planner
Changes in sales income 0%
Changes in expenses 0%
Month *
Estimated Actual Estimated Actual Estimated Actual
Cash balance at the start of each
month #
$0 $0 $0 $0 $0
Operating revenue
Cash reciepts from customers $0 $0 $0
Collection of recievables $0 $0 $0
Other operating revenue received $0 $0 $0
Total Operating Revenue
$0 $0 $0 $0 $0 $0
Other Sources of Cash Inflows
Proceeds from sale of assets
0 0 0
Funds borrowed
0 0 0
Tax refund/rebates
0 0 0
Other sources of cash inflow
0 0 0
Total other cash inflows
$0 $0 $0 $0 $0 $0
Total monthly cash in $0 $0 $0 $0 $0 $0
Inventory (Stock)
Stock purchases
0 0 0
Other Cost of Goods
0 0 0
Total Cost of Goods
$0 $0 $0 $0 $0 $0
Month one Month two Month three
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain
English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even
point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)
How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as
you can with your cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the
cash flow scenario planner and report.
Cash in (record when actually recieved)
Cash out (record when actually paid)
General & Administrative
Bank charges
0 0 0
Credit card commission
0 0 0
Accounting/Legal/Consultant fees
0 0 0
Office Supplies
0 0 0
License fees
0 0 0
Business insurance
0 0 0
Etc.
0 0 0
Total General &
Administrative
$0 $0 $0 $0 $0 $0
Marketing & Promotional
Advertising
0 0 0
Promotion - General
0 0 0
Promotion - Other
0 0 0
Etc.
0 0 0
Total Marketing &
Promotional
$0 $0 $0 $0 $0 $0
Operating Expenses
Newspapers & magazines
0 0 0
Parking/Taxis/Tolls
0 0 0
Entertainment/Meals
0 0 0
Travel/Accomodation
0 0 0
Laundry/dry cleaning
0 0 0
Cleaning & cleaning products
0 0 0
Sundry supplies
0 0 0
Equipment hire
0 0 0
Etc.
0 0 0
Total Operating Expenses
$0 $0 $0 $0 $0 $0
Motor Vehicle Expenses
Fuel
0 0 0
Vehicle service costs
0 0 0
Tyres & other replacement costs
0 0 0
Insurance
0 0 0
Registrations
0 0 0
Total Motor Vehicle
Expenses
$0 $0 $0 $0 $0 $0
Website Expenses
Domain name registration
0 0 0
Hosting expenses
0 0 0
etc
0 0 0
Total Website Expenses
$0 $0 $0 $0 $0 $0
Employment Expenses
Permanent
Salaries/Wages
0 0 0
PAYE
0 0 0
Superannuation
0 0 0
Other - Employee Benefits
0 0 0
Recruitment costs
0 0 0
Total Perm. Employ Exp
$0 $0 $0 $0 $0 $0
Casual
Salaries/Wages
0 0 0
PAYE
0 0 0
Superannuation
0 0 0
Other - Employee Benefits
0 0 0
Recruitment costs
0 0 0
Total Casual Employ Exp
$0 $0 $0 $0 $0 $0
Workcover Insurance
0 0 0
Total Employment Expenses
$0 $0 $0 $0 $0 $0
Occupancy Costs
Electricity/Gas
0 0 0
Telephones
0 0 0
Property Insurance
0 0 0
Rates
0 0 0
Rent
0 0 0
Repair & maintenance
0 0 0
Waste removal
0 0 0
Water
0 0 0
Etc.
0 0 0
Total Occupancy Costs
$0 $0 $0 $0 $0 $0
Other Expenses
Bank Interest
0 0 0
GST
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
Total Other Expenses
$0 $0 $0 $0 $0 $0
Other Cash Outflows
Purchase of assets
0 0 0
One-off bank fees
0 0 0
Principal Loan repayments
0 0 0
Payments to the owner/s
0 0 0
Investment of surplus funds.
0 0 0
Other cash inflows
0 0 0
Total Other Cash Inflows
$0 $0 $0 $0 $0 $0
Total monthly cash out $0 $0 $0 $0 $0 $0
Net difference $0 $0 $0 $0 $0 $0
Cash balance at the end of each
month
$0 $0 $0 $0 $0 $0
Notes:
To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance.
Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and
Regional Development 2007
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
Net difference shows if more cash came in, than went out, or vice versa; and how much.
Estimated Actual Estimated Actual Estimated Actual Estimated Actual Estimated
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
Month four Month five Month six Month seven Month eight
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain
English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even
point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)
How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as
you can with your cash flow projections and replace these with real figures when you have them. You can also use this cash flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the
cash flow scenario planner and report.
Cash in (record when actually recieved)
Cash out (record when actually paid)
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance.
Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and
Regional Development 2007
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
Net difference shows if more cash came in, than went out, or vice versa; and how much.
Actual Estimated Actual Estimated Actual Estimated Actual Estimated Actual
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
Month eight
Cash in (record when actually recieved)
Cash out (record when actually paid)
Month nine Month ten Month eleven Month twelve
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance.
Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and
Regional Development 2007
* You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business.
Net difference shows if more cash came in, than went out, or vice versa; and how much.
#REF! #REF!
#REF! #REF!
#REF! #REF!
#REF! #REF!
#REF! #REF!
#REF! #REF!
#REF! #REF!
#REF! #REF!
Free Cash Flow#REF!
95%
90%
80%
75%
70%
65%
60%
55%
50%
45%
0%
-5%
-15%