★ 12-MONTH CASH FLOW FORECAST ★ Stop guessing whether you'll have enough cash next month. This forecast projects your money IN and OUT across all 12 months — and shows your running cash balance for every single one, so no month catches you short. Made for small business owners, freelancers, shop owners and side-hustlers who want to plan ahead instead of react. ━━━━━━━━━━ ✔ WHAT'S INSIDE ━━━━━━━━━━ • 12-MONTH FORECAST GRID — enter expected income & expenses per month, organized by category • AUTO RUNNING BALANCE — see your projected cash for every month, updated instantly • LOWEST-MONTH WARNING — the Summary tab flags your tightest month before it arrives • YEAR-END PROJECTION — know exactly where you'll land in December • CASH BALANCE CHART — your whole-year trajectory, visualized • MONEY IN vs MONEY OUT — spot strong and tight months at a glance • EDITABLE CATEGORIES — rename rows to fit any business • Step-by-step START HERE guide ━━━━━━━━━━ ✔ WHY YOU'LL LOVE IT ━━━━━━━━━━ • Forward-looking — plan cash BEFORE it happens (most templates only look backward) • Catch cash crunches early, while you still have time to act • Works in BOTH Google Sheets (free) AND Microsoft Excel • No monthly subscription. Buy once, use forever. Reusable every year. ━━━━━━━━━━ ✔ INSTANT DOWNLOAD ━━━━━━━━━━ Digital .xlsx file, available immediately after purchase. Nothing is shipped. Google Sheets users: File > Import > Upload > "Replace spreadsheet". Please note: a planning estimate, not financial advice. Update it as real numbers come in. Independent tool, not affiliated with or endorsed by Etsy.