Cash flow statement. Analyze or showcase the cash flow of your business for the past twelve months with this template. Sparklines, conditional formatting, and crisp design make this both useful and gorgeous. Choose from 15 free Excel templates for cash flow management, including monthly and daily cash flow statements, cash projection templates, and more. A cash flow statement, also referred to as a statement of cash flows, shows the flow of funds to and from a business, organization, or individual. Cash flow statement. Analyze or showcase the cash flow of your business for the past twelve months with this accessible template. Sparklines, conditional formatting, and crisp design make this both useful and gorgeous. Cash Flow Statement is a financial statement that reports the cash generated and spent during a specific time interval by any company. It is one of the main financial statements. The Cash Flow Statement, or Statement of Cash Flows, summarizes a company's inflow and outflow of cash, meaning where a business's money came from (cash receipts) and where it went (cash paid).By 'cash' we mean both physical currency and money in a checking account. The cash flow statement is a standard financial statement used along with the balance sheet and income statement.
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A cash flow statement, also referred to as a statement of cash flows, shows the flow of funds to and from a business, organization, or individual. It is often prepared using the indirect method of accounting to calculate net cash flows. The statement is useful for analyzing business performance, making projections about future cash flows, influencing business planning, and informing important decisions. The term “cash” refers to both income and expenditures and may include investments and assets that you can easily convert to cash. By conducting a cash flow analysis, a business can evaluate its liquidity and solvency, compare performance among accounting periods, identify cash flow drivers to support growth, and plan ahead to maintain a positive cash position.
Below you’ll find a collection of easy-to-use Excel templates for accounting and cash flow management, all of which are fully customizable and can be downloaded for free.
Elements of a Cash Flow Statement
A cash flow statement is typically divided into the following sections to distinguish among different categories of cash flow:
- Operating Activities: Cash flows in this section will follow a company’s operating cycle for an accounting period and include things like sales receipts, merchandise purchases, salaries paid, and various operating expenses.
- Investing Activities: Some examples of investing activities include buying or selling assets, making loans and collecting payments, and generating cash inflows or outflows from other investments.
- Financing Activities: This section may include activities such as receiving money from creditors or shareholders, repaying loans and paying dividends, and selling company stock, as well as other activities that impact equity and long-term liabilities.
A statement of cash flows can summarize information for any accounting period, but if you’re starting a new business or planning for the months ahead, creating a cash flow projection can help you anticipate how much money your business will have coming in and going out during a future time frame.
Creating a Cash Flow Forecast
Projecting future cash flows can give you greater financial control, provide a deeper understanding of a company’s performance, help identify shortfalls in advance, and support business planning so that activities and resources are properly aligned. New businesses trying to secure a loan may also require a cash flow forecast.
In order to set yourself up for success, it’s imperative to be realistic when forecasting cash flows. You can build your projections on a foundation of key assumptions about the monthly flow of cash to and from your business. For instance, knowing when your business will receive payments and when payments are due to outside vendors allows you to make more accurate assumptions about your final funds during an operating cycle. Estimated cash flows will always vary somewhat from actual performance, which is why it’s important to compare actual numbers to your projections on a monthly basis and update your cash flow forecast as necessary. It’s also wise to limit your forecast to a 12-month period for greater accuracy (and to save time). On a monthly basis, you can add another month to create a rolling, long-term projection.
A cash flow forecast may include the following sections:
- Operating Cash: The cash on hand that you have to work with at the start of a given period. For a monthly projection, this is the cash balance available at the start of a month.
- Revenue: Depending on the type of business, revenue may include estimated sales figures, tax refunds or grants, loan payments received or incoming fees. The revenue section covers the total sources of cash for each month.
- Expenses: Cash outflows may include your salary and other payroll costs, business loan payments, rent, asset purchases, and other expenditures.
- Net Cash Flow: The closing cash balance, which reveals whether you have excess funds or a deficit.
Keep in mind that while many costs are recurring, you also need to consider one-time costs. Additionally, you should plan for seasonal changes that could impact business performance, and upcoming promotional events that may boost sales. Depending on the size and complexity of your business, you may want to delegate the responsibility of creating a cash flow forecast to an accountant. However, small businesses can save time and money with a simple cash flow projections template.
Excel Bookkeeping and Cash Flow Templates
To help you get started creating a cash flow statement or forecast, we’ve included a variety of customizable templates that you can download for free. Simply adjust your chosen template to fit your specific goals and the intended audience. Each template offers a clean, professional design and is intended to save you time, boost efficiency, and improve accuracy. Just enter your financial data, and the templates will perform automatic calculations for you to analyze. By combining your cash flow statement with a balance sheet, income statement, and other forms, you can manage cash flow and get a comprehensive understanding of business performance. Smartsheet offers additional Excel templates for financial management, including business budget templates.
Accounts Payable Template
This accounts payable template tracks suppliers, order numbers, and amounts due to help you manage payments and due dates. Easily organize ordering stock or supplies from multiple vendors with this template for greater efficiency and fewer errors.
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Accounts Receivable Template
Don’t let balances owed to your business slip through the cracks. This template accounts receivable template lists customers, invoice tracking details, amounts due, and outstanding balances. Keeping track of these accounts can inform your collections process by helping you quickly identify which overdue payments have aged significantly.
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Balance Sheet Template
A balance sheet provides a summary of financial health in a single, brief report. With this balance sheet template, you can assess the financial standing of a business by examining assets, liabilities, and equity. Business owners can use it to evaluate performance and communicate with investors.
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Income Statement Template
Use this income statement template to assess profit and loss over a given time period. This template provides a clear outline of revenue and expenses along with net income figures. You can edit the template to match your needs by adding or removing detail, and create an income statement for a large or small business.
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Simple Cash Flow Template
This template works for any length of time and allows you to compare different periods for a quick analysis of cash flows. It include sections for an itemized list of revenue and expenditures, automatic calculations of totals and net cash flows, and a simple layout for ease of use. You can modify the template by adding or removing sections to tailor it to your business.
3-Year Cash Flow Statement Template
Use this statement of cash flows template to track and assess cash flows over a three-year period. The template is divided into sections for operations, investing, and financing activities. Simply enter the financial data for your business, and the template completes the calculations.
Monthly Cash Flow Template
This comprehensive template offers an annual overview as well as monthly worksheets. Create a detailed monthly cash flow report to analyze performance or plan for the future. Each month has a separate sheet so that you can get a thorough picture of cash inflows and outflows for both short- and long-term periods.
Daily Cash Flow Template
Add receipts and payments to this daily cash flow template to get a deep understanding of business performance. You can customize the list of cash inflows and outflows to match your company’s operations.
12-Month Cash Flow Forecast
Use this template to create a cash flow forecast that allows you to compare projections with actual outcomes. This template is designed for easy planning, with a simple spreadsheet layout and alternating colors to highlight rows. You get a snapshot of cash flows over a 12-month period in a basic Excel template.
Quarterly Cash Flow Projections Template
Cash flow projection templates can cover a variety of time frames, including the quarterly format offered here. Quarterly projections are useful for new businesses and those wanting to align cash flow projections with upcoming goals and business activities. Use the template to create projections and then compare the variance between estimated and actual cash flows.
Cash Flow Analysis Template
You can use this template to perform a cash flow sensitivity analysis in order to anticipate shortfalls and help your business maintain a positive cash position. This analysis can help you make more accurate cash flow predictions and inform your business decisions.
Discounted Cash Flow Template
This template allows you to conduct a discounted cash flow analysis to help determine the value of a business or investment. Enter cash flow projections, select your discount rate, and the template calculates the present value estimates. This template is a useful tool for both investors and business owners.
Nonprofit Cash Flow Projection Template
This template is designed with nonprofit organizations in mind and includes some common income sources, such as donations and grants, as well as expenditures. The template covers a 12-month period and makes it easy to see annual and monthly carryover so that you can track a rolling cash balance. Create a detailed list of all receipts and disbursements that are relevant to your organization.
Personal Cash Flow Template
Individuals can manage their personal cash flow with this free template. The simple layout makes it easy to use and provides a financial overview at a glance. Keep track of how you are spending money to gain more control over your financial habits and outlook.
Trial Balance Worksheet
Use this trial balance template to check your credit and debit balances at the end of a given accounting period, and to support your financial statements. The template shows ending balances for specific accounts, as well as total amounts for the activity period and the overall difference. This is a simple worksheet that you can customize to reflect your business type and the products or services it offers.
A More Collaborative Cash Flow Statement Template in Smartsheet
Using a template is essential to helping you get started managing your organization's financials quickly. But, creating and managing your cash flow statement may require multiple stakeholders to weigh in and make updates. That’s why it’s important to find a template with more advanced functionality like notifications and reminders and enhanced collaboration features to ensure everyone is kept in the loop. One such template is the cash flow statement template in Smartsheet.
A Smartsheet template can improve how your team tracks and reports on cash flow - use row hierarchy to sum line items automatically, checkboxes to track stakeholder approval, and attachments to store item details directly to the rows in your sheet. Easily create reports to roll up annual, quarterly, or monthly cash flow details so you’ll always have a real-time view of the financial health of your business.
See how easy it is to track and manage your cash flow statement with a template in Smartsheet.
A Better Way to Manage Accounting and Finance Processes for Companies of All Sizes
The good news is, that you can use Smartsheet for more than just a cash flow statement template. Smartsheet is a work management and automation platform that enables enterprises and teams to work better. Accounting and finance teams around the world use Smartsheet to track and manage annual audits, create balance sheets and income statements, manage cash flow, and complete financial month-, quarter-, or year-ends.
As a cloud-based platform, you can keep all accounting data stored in one centralized location, and share the details with internal and external stakeholders. Plus, with Smartsheet Dashboards, you can create custom dashboards to report on financial records, surface key performance metrics, and make decisions faster. The highly configurable dashboard pulls data from your existing sheets and is customizable with a simple drag-and-drop interface.
Dashboards give you unprecedented, real-time visibility into your records, which boosts decision-making speed, communication, and overall performance.
Discover how easy it is to manage your accounting and finance processes in Smartsheet.
Discover a real-time way to manage cash flow statements in Smartsheet.
Download a Statement of Cash Flows template for Microsoft Excel®
The Cash Flow Statement, or Statement of Cash Flows, summarizes a company's inflow and outflow of cash, meaning where a business's money came from (cash receipts) and where it went (cash paid). By 'cash' we mean both physical currency and money in a checking account. The cash flow statement is a standard financial statement used along with the balance sheet and income statement. The statement usually breaks down the cash flow into three categories including Operating, Investing and Financing activities. A simplified and less formal statement might only show cash in and cash out along with the beginning and ending cash for each period.
To perform a cash flow analysis, you can compare the cash flow statement over multiple months or years. You can also use the cash flow analysis to prepare an estimate or plan for future cash flows (i.e. a cash flow budget). This is important because cash flow is about timing - making sure you have money on hand when you need it to pay expenses, buy inventory and other assets, and pay your employees.
A cash flow analysis is not the same as the business budget or profit and loss projection which are based on the Income Statement. However, for a small uncomplicated business operating mainly with cash instead of credit accounts, there may seem to be little difference.
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License: Private Use (not for distribution or resale)
'No installation, no macros - just a simple spreadsheet' - by Jon Wittwer
Description
This cash flow statement was designed for the small-business owner looking for an example of how to format a statement of cash flows. The categories can be customized to suit your company's needs.
Update 11/12/2015: This spreadsheet now contains two additional worksheets for year-to-year and month-to-month cash flow analysis or cash flow projections.
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Cash Flow Statement Essentials
Operating Activities
Operating activities make up the day-to-day business, like selling products, purchasing inventory, paying wages, and paying operating expenses. Perhaps the most important line of the cash flow statement is the Net Cash Flow from Operations. This section of the statement is associated with the Current Assets and Current Liabilities sections of the Balance Sheet, as well as the Revenue and Expenses section of the Income Statement.
Investing Activities
Investing activities include buying and selling assets like property and equipment, lending money to others and collecting the principal, and buying/selling investment securities. This section of the statement is associated with the Long-Term Assets section of the balance sheet.
Financing Activities
Financing activities include borrowing from creditors and repaying loans, issuing and repurchasing stock, and collecting money from owners/investors, and payment of cash dividends. This section of the statement is associated with the Long-Term Liabilities and Owners'/Stockholders' Equity from the Balance Sheet.
Cash Flow Statement Example
I'm not going to try to explain how to prepare or analyze the cash flow statement other than to say that if you have the records of all the cash transactions, then the preparation can be done using the simple method of categorizing the receipts and payments into the three categories listed above. The indirect method can be used to create the statement of cash flows from the information in the balance sheet and income statement, but I'll leave that explanation for the textbooks. For more information, see the references below.
Cash Flow Statement
References:
Download Cash Flow Statement Excel Template Cash Flow Free
- Financial Accounting: Reporting and Analysis by M.A. Diamond, E. K. Slice, and J.D. Slice., 2000.
- Cash Flow Statement at wikipedia.org
Disclaimer: The information on this page is for illustrative and educational purposes only. The spreadsheet is provided as-is. We do not guarantee the results or the applicability to your financial situation. You should seek the advice of qualified professionals regarding financial decisions.