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Spryhand

Small Business

Small Business Cash Flow Tracker

See money in, money out and projected cash balance by month, so cash shortfalls are visible before they happen.

Delivery
Instant download
Purchase
One-time payment
Format
  • Google Sheets
  • Excel
Updated
August 2026
$5.90Buy on Etsy
Sample preview — illustrative data

Lowest closing balance

$24,390

Biggest month out

$20,680

MonthClosing
  • March$18,900 / $13,090 → $28,760
  • April$15,900 / $20,270 → $24,390
  • May$18,500 / $12,040 → $30,850
  • July$12,800 / $20,680 → $30,730

Sample data preview of the Small Business Cash Flow Tracker spreadsheet, shown for illustration only.

What this spreadsheet does

Profit on paper doesn't always match cash in the bank, and without a cash flow view it's easy to be surprised by a tight month.

What you can do with it

  • See whether the cash balance is trending up or down
  • Spot a projected shortfall two or three months ahead
  • Understand why a profitable month still left you short

What's included

Sheet tabs

  • Instructions
  • Cash Flow
  • Monthly Detail
  • Projection

Features

  • Twelve chained months — each opens on what the last one closed
  • Money in and out by category from a single entry log
  • Low-balance and overdrawn flags against a threshold you set
  • Lowest closing balance of the year, and the biggest single month out
  • A three-month projection from your own averages, plus known extras entered by hand
  • A verdict on whether cash holds up, gets tight, or runs out

How it works

  1. 1Enter your opening cash balance and a low-balance threshold
  2. 2Log money in and out by month and category on the Monthly Detail tab
  3. 3Read the chained balance, then the Projection tab for the next three months

Who it's for

Small business owners who want visibility into monthly cash position.

This spreadsheet is a planning tool and does not replace professional financial or accounting advice.

Frequently asked questions

Is this the same as a profit and loss statement?

No, and the difference is the point. April in the sample earns well and still takes the balance down, because the quarterly tax bill lands in it. A profit view would call that a good month.

How far ahead does the projection go?

Three months, from the average of however many months you say you have actuals for. Anything you already know is coming — a tax payment, an equipment purchase — is entered by hand rather than averaged into a smooth line.

What happens to months I haven't logged yet?

They read zero in and zero out, and the balance simply carries forward. Nothing breaks and nothing is invented.

Complete the setup

The rest of the tools this one was built to sit beside.

Similar tools

The same kind of tool, for a different job.