000000Monthly Cash Flow Forecast

Monthly Cash Flow Forecast*

Select a month to start Apr May June July Aug Sept Oct Nov Dec Jan Feb Mar Total
Receipts Total
Sales $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other revenue $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total receipts $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Less payments
Direct costs
Materials $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Stock $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Packaging $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Fixed costs
Salaries and wages $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Employee expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rent/mortgage $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Telecommunications $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Web site hosting and
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
maintenance
Electricity $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Insurance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Interest $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Debt repayments $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Tax $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Marketing and advertising $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Motor vehicle expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Travel and transportation $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Freight and postage $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Repairs and maintenance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Accounting $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Office supplies $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subscriptions $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Cleaning $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Uniforms $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total cash payments $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Net cash flow $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Opening bank balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Closing bank balance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Copyright: The Small Business Company Limited: All rights reserved

Monthly cash flow forecast

Cash flow forecasting

The cash flow forecast template will help you detail the cash coming into and going out of your business
on a monthly basis so you can forecast future surpluses and shortfalls.

The template automatically calculates the following on a month-to-month and total basis for the forecast period:
Total receipts – incoming cash
Total cash payments – outgoing cash
Net cash flow
Closing bank balance
Forecasting sales
By entering your expected incoming receipts, you’ll have a better idea of issues coming up.
Use last year’s sales or your current sales history, if any, as a basis for upcoming sales. Take any opportunities or
threats into account. If you’re a start-up, you’ll need to look at industry trends, market demand, and your
competitors, to come up with expected sales estimates for the coming months.
Estimating expenses
All businesses have bills to pay each month such as direct costs like materials, stock, and packaging, and
overhead like rent, taxes, power, website hosting, salaries, and insurance. They all add up.
This information is critical in ensuring that you set the right sales targets.
Predicting money in and money out
Forecasting your receipts and comparing them to your expenses each month is useful in establishing targets,
monitoring your cash on hand, keeping an eye on your expenses, and addressing any projected shortfalls or
windfalls. It’s all about money coming in versus money going out – hopefully with a positive balance.
If it looks as though you’ll come up short, you may want to start a conversation with your business banker about a
short-term business loan.
Answer the ‘what if?’ question
Use the cash flow forecast template to run through scenarios such as:
What if you hire a full-time sales person?
What happens if you borrow money?
What if you add new equipment?
What if you Increase capacity?
Use the template to crunch the numbers, taking into account additional revenues your investment might bring in,
as well as associated expenses.
How to use the template
Enter an estimate for the following information into the template:
Opening bank balance – the cash you have on hand.
Receipts – sales and other revenue for each month.
Direct costs – materials, stock, and packaging.
Overhead costs – recurring monthly costs such as rent & utilities.

Important Disclosures

*These tools and other information are copyrighted 2019 by The Small Business Company, Ltd. ("TSBC") and used under
license by TD Bank, NA. This information has been prepared by TSBC for general informational purposes only. TSBC is
solely responsible for the content. Any opinions expressed herein belong to TSBC and do not necessarily reflect the
opinions of TD Bank, N.A. or any of its affiliates, directors, officers or employees. These materials are not intended to provide
legal, tax or accounting advice or to suggest that you engage in any specific transaction. TD does not endorse or guarantee
the accuracy of the information provided by TSBC, or any other third party and the information does not necessarily represent
TD's business practices or experience. Neither TD nor TBSC makes any representation or guarantee as to the accuracy
and/or reliability of such information nor shall any of TD or TBSC or their respective employees be liable for any loss or
damages suffered as a result of any use of such information. Please consult your own counsel, accountant or other advisor
regarding your specific situation. Any reliance upon any such information is solely and exclusively at your own risk.
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