Cash-flow forecast template
A 12-month cash-flow forecast that shows when money really comes in and goes out, including BAS and super, and warns you before cash gets tight.
An Excel forecast laid out by month from July to June. Enter receipts and payments (including GST) in the month the cash moves. It rolls each closing balance into the next month, totals the year, finds your lowest balance and highlights any month that drops below the cash buffer you choose. The example shows quarterly BAS payments and super paid alongside wages.
Format: XLSX · Version 1.0 · Updated 2026-11-06
How to use it
Use it monthly to spot shortfalls early, plan large purchases, and show a lender how you will meet repayments. Roll it forward each month so you always see a year ahead.
Preview
| Cash item | Jul | Aug | Sep | Oct | … |
|---|---|---|---|---|---|
| Opening bank balance | $20,000 | $20,950 | $27,600 | $31,450 | … |
| Total cash in | $38,000 | $39,000 | $39,000 | $41,000 | … |
| BAS payment | $5,200 | $0 | $0 | $5,600 | … |
| Total cash out | $37,050 | $32,350 | $35,150 | $38,950 | … |
| Net cash flow | $950 | $6,650 | $3,850 | $2,050 | … |
| Closing bank balance | $20,950 | $27,600 | $31,450 | $33,500 | … |
Download Cash-flow forecast template
Related articles
- Cash flow management – Why profitable businesses run out of money, how the cash conversion cycle works, and the weekly habits that keep enough cash in the bank to pay staff, suppliers and the ATO on time.
- GST, BAS and taxation fundamentals – How GST works, what a Business Activity Statement actually reports, how PAYG withholding and instalments fit in, and the habits that make the ATO a routine supplier rather than a source of dread.
- Budgeting and forecasting – How to build an annual budget you will actually use, keep a rolling forecast that reflects what is really happening, and use the gap between the two to make better decisions each month.