Small Business Bookkeeping Spreadsheet & Cash Flow Forecast

This small business bookkeeping spreadsheet and cash flow forecast helps you see what came in, what went out, who owes you and what your bank balance could look like over the next 13 weeks.

Who it's for: Owners of very small businesses who aren't ready for accounting software (or want a simple view next to it), keep personal and business money a bit mixed, and want to stop guessing about cash.

The problem it solves: Bank balances don't show profit, and profit doesn't show next month's cash. This workbook turns your bank lines into a monthly P&L by category, keeps owner's draws and transfers off the P&L, ages unpaid invoices, suggests a tax set-aside from your own %, and forecasts 13 weeks of cash against a buffer you set.

What's inside

• Bookkeeping & Cash Flow Workbook (EXAMPLE + BLANK, .xlsx)
• Bookkeeping & Cash Flow Playbook (PDF)
• Invoice Template and Payment Reminder Letters (DOCX + PDF)
• Monthly Close Checklist, Weekly Cash Flow Review, Tax Set-Aside and Records Worksheet (DOCX + PDF)
• AI Prompt Pack: 25 prompts (PDF + TXT)
• Start Here guide and license

How it works

1. On Setup, enter your books start date, bank balance, cash buffer, tax set-aside % (from your tax professional) and categories.
2. Enter bank lines on Transactions in date order; the running balance should match your statement.
3. Read the Monthly P&L; do the monthly close checklist.
4. Log invoices; send reminders as they age.
5. Update the 13-week Cash Flow Forecast weekly and act on any BELOW BUFFER week.

Good to know

• Every number in the EXAMPLE file belongs to a made-up business; it isn't a market rate or a recommendation.
• Templates aren't legal advice; tax lines are placeholders. Have your own professionals review them.
• The tools help you run your business; they don't guarantee income or results.
• Excel .xlsx workbook, no macros; formulas tested in LibreOffice (Google Sheets and Excel open-tests pending).
• This is a cash-basis bookkeeping tool, not tax or accounting advice; the tax set-aside is a savings guide, not a tax calculation. Ask a tax professional what applies to you.

Need a website? Bought any kit from the Archive? You get a $39 credit toward any website package from The Collective if you request it within 60 days of your purchase (one credit per website project). The credit applies only to website services, not to kits or other products. To request it, email ryanviabusiness@gmail.com with your order number.

Refunds: All sales are final. This kit is an instant digital download, so we don't offer refunds once your order is placed. If a file is broken, missing or not as described, email ryanviabusiness@gmail.com with your order number and we'll send you a working replacement file; if we can't provide a working file that matches this description, we'll refund your order. If you bought the same kit twice by mistake, email us within 14 days of the second order and we'll refund the duplicate order. Nothing in this policy limits any rights you have under law that can't be waived.

License: one business; no resale, redistribution or sharing.

Cover images are illustrations created with AI. The people shown are fictional, not customers.