Step 6 of 8

Cash Flow Forecast

A bank balance is not a forecast. This builds your 90-day cash flow map — what's coming in, what's going out, and when — so you see the gaps before they become crises. Estimates are fine; a rough forecast you actually look at beats a perfect one you never build.

Money coming in — next 90 days

Confirmed = signed contracts, retainers, work already booked. The money you'd bet on. Expected = your conservative pipeline floor — what you'd be surprised not to close, not what you're hoping for.

Month 1next 30 days

Confirmed revenue ($)

Expected new work ($)

Month 2days 31–60

Confirmed revenue ($)

Expected new work ($)

Month 3days 61–90

Confirmed revenue ($)

Expected new work ($)

Money going out

Fixed expenses ($/month)

The bills that arrive whether you worked 10 jobs or 1 — payroll, rent, loan payments, insurance, subscriptions. One number, same every month.

Variable costs move with job volume — subcontractors, materials, fuel. One-time hits are the irregulars you already know are coming: equipment, tax payments, renewals. Enter 0 if none.

Month 1next 30 days

Variable costs ($)

One-time hits ($)

Month 2days 31–60

Variable costs ($)

One-time hits ($)

Month 3days 61–90

Variable costs ($)

One-time hits ($)

Where you stand

Cash reserve beyond your operating account ($)

Savings, a reserve account — cash you could actually reach if a month goes sideways. 0 is an honest answer, and more common than you'd think.

Over the last 6 months, your revenue has been…

Be honest — the forecast is only as good as your read on your own swings.

The context behind the numbers (optional — anything here sharpens the forecast)

Any historically slow or strong months in the next 90 days?

Invoices sent but not yet collected — roughly how much, and how late do clients usually pay?

What's the cash moment you're most worried about?

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Cash Flow Forecast

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