Cashflow forecasts that tie out. Monthly to 25 years.
Enter your revenue, costs and working-capital days — receivable (DSO), inventory (DIO) and payable (DPO) — and download an automated, fully-linked Excel cashflow forecast: operating, investing and financing cash flows in a self-balancing model, with tax fully applied.
⚡ Build My Cashflow Forecast Free — free (requires JavaScript)
Pricing
Build, preview and download free up to 3 years. Models from 5 to 25 years are a one-time $19.98 Excel download — no subscription.
Frequently asked questions
What is a cashflow forecasting model?
A cashflow forecasting model projects how much cash a business will generate and consume over time — from operations, investing and financing — so you can see when cash peaks, dips or runs short. EasyFinancialModels builds one automatically as a fully formula-linked Excel workbook from your revenue, cost and working-capital assumptions.
How do I create a cash flow forecast in Excel?
Enter your revenue, operating costs, CAPEX, debt and working-capital days (receivable, inventory and payable). The generator converts these into a linked Excel cash flow forecast — operating cash flow, investing and financing — that recalculates whenever you edit an input. No formulas to write yourself.
What is the difference between a cash flow forecast and a financial model?
A financial model is the full three-statement picture (income statement, balance sheet and cash flow) plus valuation. A cashflow forecast focuses on the movement of cash — especially working-capital timing — to answer 'when do we run out of cash?' Our cashflow tool leads with cash flow and working capital while still keeping the statements linked.
Can I forecast cash flow monthly?
Yes. Choose Monthly, Quarterly or Annual. Monthly forecasts expand each year into 12 linked columns (up to 10 years) and are ideal for runway, seasonality and lender reporting; annual growth is converted geometrically so periods compound to exactly your stated annual rate.
What are receivable, inventory and payable days (DSO/DIO/DPO)?
They set your working-capital timing. Receivable Days (DSO) is how long customers take to pay; Inventory Days (DIO) is how long stock is held; Payable Days (DPO) is how long you take to pay suppliers. Longer DSO/DIO tie up cash; longer DPO frees cash. The model turns these into the cash-flow working-capital movement automatically.
How does working capital affect cash flow?
Working capital is cash locked in receivables and inventory, less what you owe suppliers. When it grows (sales rising, slow collections), it consumes cash even if you're profitable; when it shrinks, it releases cash. The forecast computes the period-by-period working-capital movement from your DSO/DIO/DPO and feeds it into operating cash flow.
Does the cash flow forecast include tax?
Yes — corporate tax is fully applied, auto-filled from your selected country and editable, with loss carryforward (NOL) so losses shelter future taxable profit before cash tax is deducted.
How many years should a cash flow forecast cover?
Three to five years suits most planning and fundraising; asset-heavy or long-horizon businesses model 10–25 years. Monthly forecasts are best kept to a few years (up to 10). The free tier covers 3 years; 5–25 years is a one-time $19.98 unlock.
Is this cash flow forecast really free?
Building, previewing and downloading a 3-year cashflow forecast is free with no sign-up. Longer horizons (5 to 25 years, monthly/quarterly/annual) are a one-time $19.98 Excel download — no subscription.
Can I download and edit the cash flow forecast in Excel?
Yes. It's a standard, unlocked .xlsx with live formulas that opens in Microsoft Excel, Google Sheets and LibreOffice Calc. Change any blue input and the whole forecast — including the working-capital movement and closing cash — recalculates.
What is a 13-week cash flow forecast and can this tool build one?
A 13-week cash flow is a short-term liquidity view used in turnarounds and tight-cash situations. Our monthly model covers the same ground with a longer lens — pick Monthly and read the first three months' opening cash, movements and closing cash week-by-week granularity is planned.
How do I forecast cash flow for a startup with no history?
Start from drivers, not history: price × expected customers for revenue, your actual cost commitments, and realistic working-capital days. Pick the Startup template — assumptions are pre-loaded and every figure stays editable, so you can stress-test collections and runway before investors do.
What is the difference between direct and indirect cash flow forecasting?
Direct forecasting builds cash from expected receipts and payments; indirect starts from profit and adjusts for non-cash items and working-capital movements. This model uses the indirect method — the standard for multi-year forecasts — with the working-capital schedule shown explicitly so you get direct-method visibility on timing.
Why is my business profitable but out of cash?
Usually working capital: revenue is booked before customers pay (receivable days), stock sits before it sells (inventory days), and growth multiplies both. The forecast makes this visible — watch the working-capital movement line consume cash as revenue grows, and test how faster collections change your runway.
What is cash runway and how do I calculate it?
Runway is how long your cash lasts at the current burn rate — closing cash ÷ average monthly net outflow. Build a monthly forecast and the closing-cash row shows exactly which month you'd run dry, plus the peak funding need on the dashboard.
Can lenders and investors use this cash flow forecast?
Yes — it's a linked, self-balancing model with a balance sheet that ties and an integrity-check sheet, which is what credit teams and investors look for. Every number traces to an assumption, so diligence questions are answerable.
How accurate should a cash flow forecast be?
Precision matters less than honest drivers and visible assumptions. Keep receivable/payable days realistic, revisit monthly, and re-download an updated model in minutes when facts change — the free 3-year tier makes refreshing costless.
Does the forecast handle loan repayments and interest?
Yes. Enter principal, rate, tenor and type (term, revolver, balloon, lease) and the debt schedule computes interest and repayments, feeding financing cash flows and the closing balance automatically.
Can I model seasonal cash flow?
Choose Monthly or Quarterly and adjust months-active on cost lines and growth by period. Seasonal working-capital swings show up directly in the monthly working-capital movement and closing-cash rows.
Cash flow forecast vs budget — what's the difference?
A budget allocates spending targets; a cash flow forecast predicts actual cash timing — when money lands and leaves. You need both, but only the forecast tells you whether you can make payroll in month 7. This tool builds the forecast, driven by the same assumptions a budget uses.
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