💡 How to use this template
Fill in your actual income and expenses each week. The goal is to see your cash flow pattern — when money comes in, when it goes out, and whether you're building a buffer or running thin.
📊 Monthly Cash Flow Tracker
Use this format for each month. Write in your numbers or recreate this in a spreadsheet.
| Period | Cash In ($) | Cash Out ($) | Net Cash Flow ($) |
|---|---|---|---|
| Week 1 | Enter amount | Enter amount | Income - Expenses |
| Week 2 | Enter amount | Enter amount | Income - Expenses |
| Week 3 | Enter amount | Enter amount | Income - Expenses |
| Week 4 | Enter amount | Enter amount | Income - Expenses |
| Monthly Total | Sum | Sum | Total Net |
💰 Income Categories to Track
💸 Expense Categories to Track
🔑 Key Metrics to Watch
Net Cash Flow
Cash In minus Cash Out. Positive = you're building a buffer. Negative = you're spending more than you're earning.
Cash Runway
How many months can you operate with your current cash balance? Divide your cash balance by your average monthly expenses.
Trends
Compare month to month. Are your expenses growing faster than your income? Are there seasonal patterns?
Want a real-time cash flow dashboard?
A spreadsheet is a great start, but a custom forecasting dashboard takes it to the next level — with projections, "what if" scenarios, and real-time data from your books.