Cashflow Forecast
Profitable jobs fail on cash, and this sheet shows the month it would happen.
Value spread against the programme, then lagged through application, certification and payment to show the month the job will need funding before it arrives. The deepest negative point is the number your bank manager needs: the final margin says nothing about whether you can survive to collect it.
What you get
How it works
The terms, set once
Contract sum, retention and the two lags, application to due date and due date to payment, entered once at the top and applied to every month that follows.
Two flows, side by side
Value earned sits against cash in and cash out month by month, with cash in forecast at the month the money is due rather than the month the work was done. That gap is the whole point of the sheet.
Forecast against actual
Actual cash lands next to the forecast as the job runs, so the sheet stays a live document rather than a pre-start exercise that never survives month three.
An Excel template with no macros. Only the yellow cells can be edited, the Guide tab explains every step, and it prints on A4. Your contract's terms come first.
Related paid help
For the forecast built before works start and maintained against actual certification, see the Cashflow Forecasting Against Programme service.