Cashflow Template

🟩 1️⃣ BASIC VERSION

A clean, functional Cashflow Overview spreadsheet in English — designed for clarity, structure, and immediate insight into where money actually goes.

Cashflow Overview (Basic)

Core Features:

🔹 Transaction table with Date, Category, Description, Inflow, Outflow
🔹 Automatic Month field (yyyy-mm)
🔹 Automatic Running Balance per transaction
🔹 Monthly summary on Dashboard (Inflow, Outflow, Net Cashflow, Closing Balance)
🔹 SUMIFS-driven monthly aggregation
🔹 Clean layout with readable columns and currency formatting
🔹 Instructions tab included for quick onboarding
🔹 Ready for long-term tracking — just keep adding rows

👉 Purpose: A solid foundation for understanding real monthly cashflow.

Simple, reliable, and ideal for freelancers, early-stage entrepreneurs, or anyone who wants a no-nonsense cashflow table without extras.

No charts, no automation — just a dependable core designed to scale.

🟨 2️⃣ ADVANCED VERSION

A smarter, more informative cashflow management system — adding visuals, analytics, and automated insights.

Added Features Compared to Basic:

🔹 Visualization & Layout
- Dynamic Monthly Cashflow Chart (Inflow, Outflow, Net)
- Cleaner dashboard with YoY columns and trend structure
- Automatic color formatting for data consistency
🔹 Intelligence & Error Checking
- Automatic Suggested Category based on Description
- Expanded Category_Rules sheet for keyword-based mapping
- Error detection:
Missing category
Double entries
Negative amounts
Rows with no inflow/outflow
“Both inflow and outflow” warning
🔹 Analytics & Breakdown
- Category Summary sheet with:
Per-category inflow/outflow
Net cashflow
Share of total outflow
YoY comparison on the dashboard (Prev Year Net, YoY Difference, YoY %)
🔹 User Experience
- Consistent column widths and formatting
- Structured sheets for quick navigation
- Instructions updated for all new features

👉 Purpose: A visual and analytical upgrade for users who want richer feedback, cleaner categorization, automated error checking, and early warning signals — without going full pro.

🟥 3️⃣ EXPERT VERSION

A full financial cockpit — transforming the spreadsheet into a real cashflow intelligence system with forecasting, scenario analysis, vendor tracking, daily breakdowns, and advanced warnings.

Includes everything from Basic + Advanced, plus:

🔹 Data Management & Customization
- Input_Form sheet for clean, guided transaction entry
- Category_Rules 2.0 with priority and uncertainty detection
- Settings sheet with editable thresholds (red/orange/green liquidity alerts)
🔹 Forecasting & Trend Analysis
- Forecast sheet with:
3-month moving average
6-month moving average
- Future-oriented dashboard insights
- Rolling 12-month totals (Rolling_12M sheet)
🔹 Scenario & Risk Tools
- Full Stress_Test module:
Optimistic (110% inflow / 90% outflow)
Realistic
Pessimistic (90% inflow / 120% outflow)
Automatic per-scenario cashflow impact calculation
Ideal for preparing financial buffers and seasonal dips
🔹 Vendor & Category Intelligence
- Vendor_Overview sheet:
Total spend per vendor pattern
Max outflow
Frequency
Average spend
Category_Summary enhanced for deep dives
🔹 Calendar-Based Analysis
- Calendar_View sheet:
Daily inflow/outflow per selected month
Perfect for rent, utility bills, payroll, subscription cycles, and payment flows
🔹 Dashboard 2.0 (Advanced Visuals)
- Pie chart: Outflow by Category
- Stacked bar: Inflow vs Outflow per month
- KPI-style insights for seasoned users
🔹 Budget Integration (Expert Layer)
- Full Budget sheet with:
Monthly budget per category
Dashboard integration: Budget Net, Variance, Variance %
Automatic linking to running cashflow
🔹 Full Documentation
- Included Expert PDF guide explaining:
Setup
Customization
Automation logic
Best practices

👉 Purpose:

A top-tier system for professionals, small business owners, finance teams, or anyone who wants forecasting, vendor analytics, budgeting, alerts, and scenario planning — all inside one modular spreadsheet.

Perfect for year-round financial control and strategic decision-making.