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Cash flow management

Cash flow forecast calculator

Calculate your cash flow forecast with our simple template. This will help you understand how much cash you have coming in and going out of the business each month and can be a good indicator of the need for an overdraft or other lending.

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Can your business survive? 

An up-to-date cash flow forecast will help show you when your business may not have enough income to meet expenses. This helps you to plan in advance, arrange finance, or better manage cash flow. 

Tips for preparing your cash flow forecast

How to use our template

  1. Fill in your expected revenue for each month. Add any bank lending amounts below “Other revenue”. 
  2. Fill in your expected or known outgoings for each month. You can add to the suggested cash payments titles for any costs not listed in these examples. 
  3. Enter the amount of cash in the bank at the opening month. 
  4. The cash flow template will calculate totals for you, including opening and closing balances for each month.

Cash flow forecast template

Use this template to calculate your cash flow forecast.

Cash flow forecast template (PDF 1.3MB)

The importance of cash flow

Cash flow is the lifeblood of every business – whether you’re contracting, self-employed or running a successful small business. In this video you’ll learn how to set up a cash flow forecast, how to forecast sales and outgoings, and get tips on how to improve your cash flow.

Contact an ANZ Business Specialist

Our specialists understand your kind of business and the challenges you face as a business owner. We can help you figure out how to make your business grow and succeed.

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Important information

We’ve provided this material as a complimentary service. It is prepared based on information and sources ANZ believes to be reliable. The content is information only, is subject to change, and isn’t a substitute for commercial judgement or professional advice, which you should seek before relying on it. To the extent the law allows, ANZ doesn’t accept any responsibility or liability for any direct or indirect loss or damage arising from any act or omissions by any person relying on this material.

ANZ tools, templates and calculators are only some of many ways to analyse a business or industry to assist your planning and business decision making. You should seek the assistance of your business advisor or accountant when either planning for or analysing your business' performance. The accuracy of the output from the calculation is subject to the accuracy of the information you provided. To the extent permitted by law, ANZ makes no warranty and has no liability, in respect of your use of and reliance on these tools.

Please talk to us if you need financial advice about a product or service. See our financial advice provider disclosure at ANZ.co.nz/fapdisclosure.

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