Business planning tool + Excel companion
Cash Flow
Planner
See When Your Business Cash May Get Tight
Look beyond today’s balance. Map expected money in and money out over 12 months, watch your projected balance, and check it against the cash cushion you want to protect.
$7 one-time purchase · Online tool + Excel companion
Your work saves on this device and in this browser only. It won’t appear on your phone or another computer. Use Download or Print to keep a copy.
Plan Across
12 Months
Map Cash In
and Cash Out
See Your Projected
Ending Balance
Check Your
Cash Cushion
Excel Companion
Included
What This Tool Helps You Do
Money can be on its way and still arrive after a bill is due. This planner helps you look at the timing, not just the totals. Bring expected receipts, planned spending, and your opening balance together so tighter months are easier to spot.
- Plan when money is expected to arrive or leave
- Include renewals and other uneven payments
- See how each month affects the next balance
- Flag months below your chosen cash cushion
Notice the gaps.
Plan your next step.♡
What’s Included
A 12-month planning view that keeps expected cash movement and timing assumptions together.
12-month cash plan
Enter your opening balance, start month, expected cash in, and expected cash out.
Rolling balance view
See projected month-end cash and totals across your 12-month plan.
Cash-cushion flag
Choose a minimum cushion and see which projected months fall below it.
Excel companion
Work separately in the included spreadsheet with 12-month formulas and a cushion check.
Perfect For You If…
For business owners who want more visibility into the timing of payments, purchases, and reserves.
How You’ll Use It
Map the expected timing, then revisit the plan as the real numbers change.
- 1
Set your starting point
Enter your opening cash balance, plan start month, and minimum cash cushion.
- 2
Map money in and out
Use the months when money should reach or leave your account, not just invoice dates.
- 3
Check balances and flags
Review projected month-end balances and any cash-cushion warnings.
- 4
Update and keep a copy
Record timing changes, save browser entries, or use the separate Excel companion.
Why It Matters
Looking ahead gives you time to notice a possible gap before it becomes an immediate surprise. A cash plan does not guarantee available money, but it gives your assumptions a place to be checked and updated.
A clearer view ahead.
♡
What is the price?
$7 as a one-time purchase, including the online planner and Excel companion.
Is it a live bank balance?
No. Projections use the numbers and timing you enter. Nothing connects to your bank.
Where does my plan save?
See the saving note near the top of this page. The Excel version is a separate file; they do not sync.
Give Your Cash Flow a Clearer Plan
See the timing. Check your cushion. Keep the plan current as your business changes.
$7 one-time purchase · Online tool + Excel companion
Plan with care.
♡
