Cash Flow Statement Template

Profit is an opinion and cash is a fact. This template tracks the fact: every pound that comes in, every pound that goes out, and what is left in the bank at the end of each month.

The three sections follow the standard presentation — operating, investing, financing — so the statement is recognisable to anyone who has read one before. Capital spending and loan events land in the specific months they happen rather than being smeared across the year, which is what makes a cash flow useful rather than decorative.

The closing balance of each month becomes the opening balance of the next, and a check at the bottom tells you in plain English whether the year ever runs dry and where the lowest point is.

It shares its chart of accounts with the BabaDigit P&L and Balance Sheet templates.

What you get

• Twelve-month direct-method cash flow statement
• Operating, investing and financing sections
• Running opening and closing cash balance
• Negative-month warning and lowest-cash-point figure
• Cash balance chart
• Configurable currency — no currency is hard-coded
• No country’s tax rates or statutory rules built in
• Sheets protected without a password
• No macros, no add-ins, no internet connection required

Who it is for

Business owners and finance managers who are profitable on paper and still worried about the bank balance.

In the download

• Excel workbook, fully formula-driven
• README with the full usage guide
• Licence covering commercial and client use
• Worked sample data throughout, clearly labelled

Sheets in the workbook

• Instructions — How to use the file, colour key, assumptions and limitations.
• Setup — Currency, business name, first month and opening cash.
• Cash Flow — Operating, investing and financing cash, and the balance.
• Cash Chart — The cash balance across twelve months.

Requirements

• Microsoft Excel 2016 or later, or Microsoft 365
• Also opens in LibreOffice Calc, Google Sheets (import) and Apple Numbers
• No macros, no add-ins, no internet connection required

Please read

• A direct-method cash flow statement. It does not reconcile to profit for you.
• It records what you enter and cannot verify it against your bank.
• No country’s accounting standard presentation is built in.
• General information only, not financial, tax or accounting advice.
• Sample data is included and clearly labelled. It is illustrative only.
• This is a tool, not financial, accounting, tax or legal advice.