Monthly P&L and Cash Flow Model

Profitable businesses still run out of cash. Usually it's because customers pay late, stock gets bought ahead of sales, or a big month hides a thin margin. This model shows you all three, every month, in about 15 minutes.

What's inside

• P&L tab: 12 months of revenue, cost of goods and operating expenses, with gross margin, net profit and year-to-date built in
• Cash Flow tab: separates profit from cash, including late-paying customers, loans, owner draws, big purchases and taxes. Months where you'd run out of money turn red
• Dashboard: your year on one page, including your lowest cash month and months of runway
• A full year of sample data so you can see how it works before you add your own numbers

Why it works

Most templates stop at profit. This one shows you the month your bank balance dips lowest, which is the number that decides when you can hire, buy stock or take a risk.

Format: Excel (.xlsx), works in Google Sheets. Instant download.