12-month cash flow forecast
Enter your cash today plus what comes in and goes out each month. You get a full 12-month projection, the month your balance turns negative, and a CSV you can keep.
Faster than a spreadsheet template: no formulas to wire up, and one-off items like an annual insurance bill can be dropped onto the exact month they land.
Your numbers
Projected closing balance
| Month | Opening | Money in | Money out | Closing |
|---|---|---|---|---|
| Aug 26 | $25,000 | $6,000 | $7,500 | $23,500 |
| Sep 26 | $23,500 | $6,000 | $7,500 | $22,000 |
| Oct 26 | $22,000 | $6,000 | $7,500 | $20,500 |
| Nov 26 | $20,500 | $6,000 | $7,500 | $19,000 |
| Dec 26 | $19,000 | $6,000 | $7,500 | $17,500 |
| Jan 27 | $17,500 | $6,000 | $7,500 | $16,000 |
| Feb 27 | $16,000 | $6,000 | $7,500 | $14,500 |
| Mar 27 | $14,500 | $6,000 | $7,500 | $13,000 |
| Apr 27 | $13,000 | $6,000 | $7,500 | $11,500 |
| May 27 | $11,500 | $6,000 | $7,500 | $10,000 |
| Jun 27 | $10,000 | $6,000 | $7,500 | $8,500 |
| Jul 27 | $8,500 | $6,000 | $7,500 | $7,000 |
This forecast is a snapshot. FlowingPulse keeps it current as real transactions come in — runway, burn rate and tax buffer, always up to date.
Get the dashboard — $4.99 lifetimeCash flow forecasting questions
What is a cash flow forecast?
It projects your bank balance forward month by month: opening balance, plus money in, minus money out, equals the closing balance that opens the next month.
How do you build a 12-month projection?
Start with cash on hand, add recurring income, subtract recurring expenses, then layer one-off items — an annual insurance bill, a large client payment — onto the month they actually land. Repeat twelve times.
Is this better than a spreadsheet template?
A template still leaves you building and maintaining formulas. This applies the same maths instantly, flags the month you go negative, and exports a CSV if you want the numbers in a sheet anyway.
Want the theory behind the numbers? Read the burn rate & runway guide