Budget Cash Flow.xlsm

Questions this spreadsheet addresses

  • Can you afford that new car purchase of $30,000 in say, 12 months time - or maybe sooner?
  • If my partner gives up work in 6 months time, what's the impact on our finances?
  • What net income do I need to meet all my monthly commitments?

This spreadsheet answers all these questions!

 Click on the screenshot below for a larger image.

The spreadsheet projects your household financial situation over the next 10 years. It requires you to enter the following data:

  • current account balance,
  • all your income (amount, due date & frequency of payment),
  • all your expenses (amount, due date & frequency of payment).

Upon entering the above data, the following will be displayed:

  • Yearly, monthly and fortnightly totals for each entry
  • Projected bank account balance at the end of each month
  • Graph of your fluctuating monthly bank account balance

What makes this "generic" cash flow spreadsheet different?

  • you only enter recuring expenses and income once (in the yellow cells)
  • the spreadsheet handles fortnightly payments
  • entries can be based on Frequency of Once only, 2 Wks, 1 mth, 2 mths, 3 mths, 6 mths and Year
  • for reoccuring income & expenses, your entries are automatically projected over the next 10 years
  • a graph of your projected monthly account balance is displayed over the next 10 years
  • the spreadsheet handles start/end dates for all income & expenses e.g. partner ceases work in 3 years
  • one-off entries e.g. purchase a new car  

The Budget Cash Flow spreadsheet requires Excel 2007, or later, with macros enabled. All the information is on the one page of the spreadshheet. The downloaded version is loaded with dummy data that can be simply deleted once you're ready to populate it with your own data.

You can download Budget Cash Flow.xlsm from here - I hope you find it useful.
Want a version without macros?  Download this from here.

Email: cashflow@wn.com.au