Description
A 12-month cash flow model for a freelance consulting practice. It gives you a monthly view of confirmed and pipeline income, expenses, and tax reserve, so you can see slow periods coming before they arrive.
What’s included
- CSV template file (opens in Google Sheets or Excel)
- 12-month cash flow model with confirmed and pipeline income columns
- Fixed and variable expense tracker
- Tax reserve column and a month-end summary row
Who it’s for
Useful if you manage your finances month by month and want to see the year as a whole. Also useful if you have had cash flow surprises in the past. Not useful as a substitute for accounting software if your finances are complex, and not a replacement for advice from an accountant on the tax reserve calculation.
If it works
If you update it at the start of each month with confirmed income and new pipeline, you will see the months where you have nothing confirmed far enough in advance to do something about it. That lead time is the main value. Most cash flow problems are visible months before they happen; the issue is not looking.
A cash flow model shows you a projection, not a certainty. Pipeline income in particular is an estimate. The model is only as reliable as the honesty of the inputs.
Before you download
- This is a CSV file. Open it in Google Sheets or Excel. It will not work as a document or a PDF.
- After downloading, you will find the file in your account under My Downloads.
- You are getting a licence to use and adapt this for your own work. You cannot sell, redistribute, or share it with others.
