13 free Excel and Google Sheets templates for small businesses and solopreneurs: 12-month forecasts, 13-week weekly views, a simple cash log, and a debt snowball calculator. We opened every page on November 9, 2026 and noted any catch. We don't sell any of these. Many publishers sell accounting or finance services and use free sheets to bring in customers, and we say so.
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SimplifyLearn's 12-month forecast turns low months red.
Expensify (no sign-up) or Big4CFO (email) 13-week sheets.
Kyte's cash log with business and personal tags.
Vertex42's snowball / avalanche calculator.
A 12-month forecast is good for spotting seasonal dips and planning a loan or a big purchase. A 13-week weekly forecast is better when cash is tight now, because it shows the exact week a payroll, tax bill or slow-paying customer pushes you low, which a monthly view averages away. In either one, enter money when it actually hits or leaves the bank, not when you send the invoice.
Licenses and availability can change. Read each publisher's terms before you redistribute anything. These are planning tools, not accounting, tax or financial advice.
Cash in, cash out, opening and closing balance for 12 months. Months below your minimum balance turn red and the lowest balance shows at the top; enter the first month once and the headers fill in.
Two tabs: a 12-month rolling view and a 13-week weekly view, with an actual-vs-forecast variance column and a built-in instructions tab. No macros.
Log money in and out on the page, tag each row Business or Personal, and get a running balance and monthly totals. Download it filled in, or as a blank sheet with the formulas ready.
One workbook with a budget tab (projected vs actual), a 12-month cash flow forecast with a running balance, and an expense tracker.
The classic business-plan cash flow sheet: cash received, cash paid out and month-end cash position, plus a pre-startup column for money spent before you open.
Two years of monthly cash receipts, operating expenses, loan proceeds and ending balance. Useful for a loan application or first-two-years plan.
A small (about 15 KB) 13-week worksheet from a university-hosted SBDC. Bare-bones, but no strings.
Weekly money in and out, closing cash for each week, your lowest week called out, and any week below zero turned red. A summary page has two charts. Input cells are blue so formulas don't get typed over.
A weekly 13-week forecast built for project-based or seasonal businesses, with a short CPA-led setup video.
Rolling weekly forecast with cumulative cash, runway, and a line-of-credit section that tracks draws, repayments and available credit.
Several separate sheets on one page: simple monthly forecast, small business projection, 12-month forecast, daily forecast, quarterly projections and a three-year forecast.
Microsoft's own cash flow templates, including small business forecast and projection versions, that open in Excel for the web.
Up to 10 debts with balance, rate and minimum payment. Pick snowball, avalanche or your own order from a dropdown and get a payoff schedule, months to payoff and total interest.
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Email gates, "pay what you want" boxes, account prompts and software upsells are written down.
Licenses and availability change, so we re-check pages over time. The date on each card shows the last check.
WorkFlow Fix Studios builds and fixes custom Excel and Google Sheets workflows for small businesses, such as a 13-week cash view that pulls from your invoice tracker or bank export instead of being retyped each week. It starts with a fixed-price $149 pilot.