Cash Flow Statement Template for Excel (Free Download)

Cash flow refers to the movement of money in and out of a business, organization or personal finances over a specific period. It represents how cash is generated (inflows) and spent (outflows) to maintain operations, pay expenses and invest in growth. Use this free cash flow statement template for Excel to track and manage the inflow and outflow of cash within a business or personal finances.

ProjectManager's free cash flow template for Excel — *ProjectManager’s free cash flow statement template for Excel*

Why Use a Cash Flow Statement Template?

A cash flow template is vital for tracking and managing financial liquidity, ensuring stability and making informed financial decisions. By providing a structured overview of cash inflows and outflows, it helps businesses and individuals maintain a clear understanding of their financial position.

One of the main benefits of using a cash flow statement template is its ability to improve financial planning by forecasting future cash needs and preventing shortages. It also enhances budgeting by ensuring expenses align with available cash and projected revenue. With a well-organized cash flow template, decision-making becomes more strategic, as it offers insights into spending patterns and potential investment opportunities.

Additionally, maintaining a positive cash flow becomes easier, as the template helps prevent overspending and ensures there are sufficient cash reserves for ongoing operations. It also simplifies financial reporting by providing a clear structure for tracking and analyzing cash movements over time. Whether businesses, freelancers or individuals use it, a cash flow template is essential for maintaining financial control and ensuring long-term stability.

Of course, a cash flow statement template is a static document and managing finances is dynamic. Project management software can provide a more controlled, real-time and collaborative platform to forecast and streamline financial planning. ProjectManager is award-winning project and portfolio management software that has Gantt charts that enhance cash flow management by providing a visual, time-based representation of project tasks, expenses and resource allocation. It also links all four types of task dependencies to avoid cost overruns and sets a baseline to track costs in real time. Get started with ProjectManager today for free.

Gantt chart in ProjectManager — ProjectManager is better for cash flow management than a cash flow template. Learn more

Who Should Use a Cash Flow Statement Template?

A cash flow statement template is a valuable tool for anyone who needs to track and manage cash inflows and outflows systematically. It is particularly useful for businesses, freelancers, project managers and individuals looking to maintain financial stability and make informed financial decisions. These are people who can benefit from using this template.

Small Business Owners: To monitor daily cash movements, ensure profitability and avoid liquidity issues
Project Managers: To track project budgets, control expenses and align financial planning with project timelines
Freelancers & Self-Employed Professionals: To manage irregular income, plan for expenses and maintain financial stability
Startups & Entrepreneurs: To forecast cash needs, secure funding and ensure sustainable growth
Financial Analysts & Accountants: To create detailed financial reports and provide insights for better decision-making
Individuals & Households: To manage personal budgets, track expenses and plan savings effectively

A cash flow template helps ensure that financial resources are managed efficiently, making it a valuable tool for anyone looking to improve financial planning and decision-making.

When to Use a Cash Flow Statement Template

A cash flow template should be used whenever there is a need to track, manage and analyze cash inflows and outflows to maintain financial stability. It helps businesses, project managers and individuals make informed financial decisions and avoid cash shortages. Here are some examples of when to use this template.

Starting a New Business: To plan for initial expenses, forecast revenue and manage funding
Managing Business Finances: To track day-to-day cash flow, ensure liquidity and plan for growth
Planning a Project Budget: To align expenses with project milestones and prevent overspending
Handling Irregular Income: Useful for freelancers and self-employed professionals to balance fluctuating earnings
Preparing for Financial Uncertainty: Helps businesses and individuals anticipate potential cash shortfalls
Securing Loans or Investments: To demonstrate financial health and cash flow projections to banks or investors
Personal Budgeting & Expense Tracking: To monitor income, expenses and savings effectively

Using a cash flow template at the right time ensures better financial control, improved decision-making and long-term financial sustainability.

What’s Included in Our Cash Flow Statement Template?

Our cash flow statement template helps track the movement of cash in and out of a business over a specific period. It provides a clear picture of financial health by categorizing cash flows into three main activities: operations, investing and financing. Below are the key components included in the template.

Cash Flow Statement From Operations

This section details cash generated or used by day-to-day business activities.

Net Income: The starting point, representing profit after expenses
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Includes non-cash expenses like depreciation and changes in working capital
Depreciation and Amortization: A non-cash expense added back to net income
Changes in Working Capital: Adjustments for fluctuations in accounts receivable, inventory, accounts payable and accrued expenses
Other Adjustments: Any additional non-cash items affecting cash flow
Net Cash Provided by Operating Activities: The final cash flow figure from operations

Cash flow from operations in cash flow statement template

Cash Flow Statement From Investing Activities

This section reflects cash spent or earned from investment-related transactions.

Purchases of Property, Plant and Equipment (PPE): Outflows for acquiring fixed assets
Proceeds from Sales of PPE: Cash received from selling assets
Purchases of Investments: Money spent on securities or other investments
Proceeds from Sale of Investments: Cash gained from selling investments
Net Cash Used in Investing Activities: Total cash impact of investment activities

Cash flow from investing activities in cash flow statement template

Cash Flow Statement From Financial Activities

This section covers cash transactions related to funding the business.

Proceeds from Issuance of Stock: Cash inflow from selling shares
Proceeds from Issuance of Debt: Money raised through loans or bonds
Repayment of Debt: Cash outflow for settling liabilities
Dividends Paid to Shareholders: Payments made to investors
Net Cash Provided by (Used in) Financing Activities: The net impact of financing activities on cash flow

Net Increase (Decrease) in Cash & Cash Equivalents

This line calculates the total change in cash flow across all activities.

Cash & Cash Equivalents at the Beginning and End of Period

These values show the company’s available cash at the start and end of the reporting period, ensuring transparency in cash management.

This cash flow template serves as an essential financial tool for businesses, helping track liquidity, make strategic decisions and ensure financial stability.

Related Cash Flow Statement Templates

The cash flow template is only one of over 100 free project management templates for Excel and Word that cover all aspects of managing projects across multiple industries. Below are some of the free templates that can help with cash flow management.

Budget Dashboard Template

Download this free budget dashboard template for Excel to view financial data, providing an at-a-glance view of income, expenses and overall financial performance. This enables businesses and individuals to track their financial status in real time.

Operating Budget Template

Use this free operating budget template for Excel as a financial planning tool that helps businesses and organizations estimate their expected revenue and expenses over a specific period, typically a fiscal year. It provides a detailed breakdown of operating costs alongside projected income.

Expense Report Template

An expense report tracks and records business-related expenses incurred by employees or individuals. Download this free expense report template for Excel to help businesses streamline their reimbursement processes, monitor spending and maintain accurate financial records.

How ProjectManager Helps Manage Cash Flow Statements

Templates are great, but only to a certain point. Then they become frustrating and even counterproductive. These static documents are fine if one has the time to manually update them and doesn’t care about recording real-time data. They’re also little islands that prevent collaboration. In other words, they slow down cash flow management. Project management software offers a more effective and efficient solution. ProjectManager is award-winning project and portfolio management software with powerful resource management features, dashboards, reports and timesheets that improve cost tracking, budgeting and financial forecasting.

Allocate Resources to Keep Teams Productive

Resources are scheduled on Gantt charts, including their associated costs. This includes human and nonhuman resources. The human resources can then be onboarded, but before assigning tasks, project managers can set their availability, which ensures the right person gets the right task at the right time. Then, check on resource allocation across all projects with the color-coded workload chart.

It shows who is overallocated or underutilized and allows managers to balance the team’s workload without leaving the chart. This prevents over or under-use, which directly impacts cash flow stability. Get a daily or weekly overview of the team’s activities, which can be filtered by priority or progress, and update their tasks to keep them productive and staying on budget.

Track Costs and More on Dashboards, Reports and Timesheets

To get a high-level overview of project costs and other key metrics, toggle to the real-time project or portfolio dashboards. They provide live financial data, displaying costs, allowing businesses to identify cash flow trends and take proactive measures. They can also track time, workload and other key performance indicators (KPIs) on the dashboard’s easy-to-read graphs and charts.

For more information, generate reports to get detailed financial and project costs. They provide insights into spending patterns, cost overruns and potential savings to optimize cash flow. Secure timesheets track employee hours and labor costs, which helps make more accurate payroll processing and prevents unnecessary expenditures that could strain cash reserves.

Cash Flow Statement Template