The small business cash-flow workbook

About this product

A good month on paper can still feel tight when invoices haven't been paid. This workbook puts the timing in view, alongside the totals. Ledger brings your income, expenses and invoice status together, then carries them into a 12-month cash-flow forecast. Compare what you planned to spend with what actually happened. The example sheet shows a filled-in version; your own figures go in a separate, clean copy. You'll get an Excel workbook, a Google Sheets copy link and a short PDF setup guide. Change the currency labels to suit your business. Some familiarity with spreadsheets helps, but you don't need to build any formulas. Use it within one business. It won't connect to your bank, do your bookkeeping or file your taxes. It's a place to plan, not financial advice.