Small Business Budget & Cash Flow for Excel and Google Sheets
Small Business Budget & Cash Flow
Plan the year, track what happens, and see the month cash dips before it does.
- Instant download · Excel workbook (.xlsx), opens in Google Sheets
- 14-day refund, no questions asked
- Personal and business use licence
- Free updates to this version
Works with
- Microsoft Excel 2010 or newer
- Google Sheets (File > Import)
- Excel for Mac
- No macros, no add-ins
Made for: Cafés, shops and studios, Service businesses with monthly bills, Owner-operators applying for a loan, Anyone who learns about a cash crunch the week it hits.
6 tabs, one linked system
- 1
Settings
Business name, fiscal year, opening cash, minimum cash cushion, current month, income categories, expense categories marked fixed or variable.
- 2
Budget
Every category by month with yearly totals; total income, total expenses and budgeted net profit per month (negative months red).
- 3
Actuals
600-row log: date, income or expense, category dropdown, amount, note. Month roll-ups are automatic.
- 4
Variance
Actual by category and month, YTD actual vs YTD budget for the months elapsed, income and expense variance rows, over-budget cells red.
- 5
Cash Flow
Opening cash, cash in, cash out, other cash items (draws, loans, equipment), net, closing cash, cushion, above/below. Lowest month, average cash out, runway, chart.
- 6
Dashboard
KPI strip (revenue and expenses vs budget, net profit, cash today, runway), monthly table, income and expense charts, biggest expense misses, cash watch.
Built to be right, not just pretty
- Cash forecast uses actuals for past months and budget for future months automatically
- Closing cash compared to the cushion you set, red when it dips below
- Variance flags expenses more than 5% over budget and income shortfalls
- Biggest misses ranked so you know which line to fix first
- Owner draws, loan principal and equipment modeled as other cash items
- Fixed vs variable category tagging for smarter seasonal budgets
- 1,300+ formulas, all visible and editable; verified to the cent
Last updated November 2, 2026. Buyers get updates to this version free, by email.
Before you buy
Does it work in Google Sheets?
Yes. File > Import > Upload the .xlsx. Dropdowns, conditional formatting and the charts carry over. All formulas are Sheets-compatible; no macros.
How does the forecast know which months are actual?
Settings has a current-month number. Months before it pull from your Actuals log; that month and later pull from the Budget. Move it forward each month.
Can I change the categories?
Yes. Edit them on Settings; Budget, Variance, Actuals dropdowns and Dashboard follow. There are blank rows for extras.
Is this an accounting system?
No. It is a planning and monitoring tool. Keep your bookkeeping where it is and paste monthly totals into Actuals, or log directly here if you are small enough.
What if it is not what I need?
Email us within 14 days and we refund you. No forms, no questions.
Small Business Budget & Cash Flow
$24 one-time · instant download · 14-day refund