Service Charge Budget Excel
Budget, levies, arrears & sinking fund for OMCs
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- Arrears aged 0–30 / 31–60 / 61–90 / 90+ days
One-off purchase – no subscription
Cash Flow Forecast Template Excel
12-month and 13-week cash flow forecast for Irish businesses – VAT3, PAYE and corporation tax dates, actual vs forecast, scenarios and break-even
€49incl. VAT
See the tight months coming – before the bank or Revenue does
10sheets
13weeks ahead
0macros
- 12-month forecast that rolls forward from your real bank balance each month
- Debtor and creditor days per sales stream – cash lands in the month it is actually paid
- Bi-monthly VAT3 worked out from your sales and costs and paid on the 23rd (ROS), with refunds
- Wages with employer PRSI by weekly pay, auto-enrolment pension and PAYE paid the following month
- 13-week forecast with wages, VAT, PAYE, loans and tax on their real dates
- Base, optimistic and pessimistic scenarios, overdraft warnings and a simple break-even
STARTSETTINGSRECEIPTSPAYMENTSTAX CALENDARCASH FLOWACTUAL VS FORECAST13-WEEK FORECASTSCENARIOSDASHBOARD
Found an error in the template? We'll fix it – or refund you.
A cash flow forecast built around Irish tax dates
Enter your sales, costs, staff and loans once. The workbook works out when the money actually moves – including the VAT3, PAYE and corporation tax payments – and shows the bank balance month by month and week by week.
Profitable businesses still run out of cash. Customers pay in 45 days, suppliers want paying in 30, the VAT3 for a strong summer lands on 23 September, the preliminary corporation tax in November – and the quiet months after Christmas have to cover rent, wages and loan repayments. A spreadsheet that only lists income and costs per month misses all of that.
This template forecasts cash the way it moves in an Irish business. Each sales stream has its own VAT rate and debtor days, purchases follow your creditor days, VAT is worked out on the invoice or cash basis and paid every two months, wages are split into net pay on pay day and PAYE, USC and PRSI to Revenue the following month. Each month you enter the real figures and bank balance – the forecast rolls on from there, and the 13-week view tells you exactly which week gets tight.
Without a template
- You find out about a cash squeeze when the bank rings or a payment bounces
- VAT, PAYE and preliminary tax bills arrive as a surprise after a good season
- Generic UK or US templates ignore VAT3 periods, ROS dates and employer PRSI
- The forecast you made in January is never compared with what really happened
With ExcelGrand
- Monthly and weekly bank balance with yellow and red flags against your buffer and overdraft
- Every VAT3, PAYE and corporation tax payment calculated and placed on its due date
- Irish VAT rates, PRSI thresholds and Revenue dates – all editable, with sources
- Actual vs forecast each month, and a forecast that restarts from your real bank balance
What's in the file
START
Key figures, quick links and a step-by-step guide.
SETTINGS
Forecast start, bank balance, overdraft limit and rate, cash buffer, VAT registration and basis, VAT3 and PAYE days, pay day, employer PRSI table and VAT rates – with sources and the date checked.
RECEIPTS
Ten sales streams with VAT rate, debtor days, cost of sales and creditor days and 12 months of net sales; opening debtors and creditors; grants, capital, asset sales and other receipts on their dates.
PAYMENTS
Overheads by frequency and first date, payroll with employer PRSI and pension, loans with repayments, balance and interest, capex and one-offs, and drawings.
TAX CALENDAR
Bi-monthly VAT3 (paid or refunded), monthly PAYE / USC / PRSI, corporation and income tax payments, suggested Revenue dates and every tax payment in date order.
CASH FLOW
Twelve months of receipts, payments and bank balance – actual months locked to the real balance – with overdraft headroom, status and a summary.
ACTUAL VS FORECAST
Actual cash by line and closing bank balance, variance per month, and a review of any month and the year to date.
13-WEEK FORECAST
Week-by-week cash for the next quarter: regular flows spread over the month, wages, VAT, PAYE, loans, tax and capex on their dates, plus known extra items.
SCENARIOS
Base, optimistic and pessimistic (sales, debtor days, purchase prices, overheads): results, monthly balance per scenario, break-even sales and margin of safety.
DASHBOARD
Closing and lowest balance, the lowest month and week, a warning line and four charts.
Take a look inside
Specifications
Format.xlsx
RequiresExcel 2016+ / Microsoft 365
Sheets10
Capacity10 sales streams · 20 overheads · 15 payroll lines · 5 loans · 15 capex items · 15 other receipts · 12 tax payments
Periods12 months (any start month) + 13 weeks
MacrosNone
Who is it for?
- Small companies and their directors
- Sole traders and tradespeople
- Start-ups preparing a bank or LEO application
- Restaurants, cafés, shops and other seasonal businesses
- Accountants and bookkeepers advising clients
Frequently asked questions
How do I forecast cash flow in Excel?
Start with the bank balance today. List the money you expect to receive each month – when customers will actually pay, not when you invoice – and the money going out: suppliers, wages, rent, loans, VAT and tax. Opening balance plus receipts minus payments gives the closing balance, which becomes next month's opening balance. This template does the timing for you from debtor and creditor days, VAT periods and pay dates.
Is there a free cash flow forecast template?
Yes – Microsoft, banks and accounting software companies offer free templates. Most are blank grids built for the UK, US or Australia: you work out the VAT, PAYE and timing yourself. This workbook adds Irish VAT3 periods and ROS dates, employer PRSI, debtor days per sales stream, actual vs forecast, scenarios and a 13-week view.
What is a 13-week cash flow forecast?
A week-by-week forecast for the next quarter, used when cash is tight or when the bank asks for one. It shows exactly which week a VAT3, a payroll or a tax payment lands in and how low the balance goes in between. The 13-WEEK FORECAST sheet builds it from your monthly figures and lets you add anything you already know about.
How do VAT and PAYE affect my cash flow in Ireland?
VAT you charge is not your money: it is paid to Revenue every two months, by the 19th of the following month – the 23rd if you file and pay through ROS. Tax deducted from wages and employer PRSI are paid the month after the payroll. After a busy period both can be large. The TAX CALENDAR works them out from your forecast and puts them in the right month and week.
What is the best cash flow forecasting tool for a small business?
The one you will keep up to date. Software linked to your bank suits larger firms; most small businesses are well served by a clear spreadsheet they update once a month with the real figures. This workbook is built for that: enter the actuals and the bank balance, and the rest of the year re-forecasts from the real position.
What is a 3-way cash flow forecast – and is this one?
A three-way forecast links a profit and loss account, a balance sheet and a cash flow. This template is a direct cash flow forecast: it follows the cash in and out and adds a simple break-even and margin of safety. For most owner-managed businesses that answers the key question – will there be enough cash? – and your accountant can build the full three-way model if a lender asks for one.
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Cash Flow Forecast Template Excel
12-month and 13-week cash flow forecast for Irish businesses – VAT3, PAYE and corporation tax dates, actual vs forecast, scenarios and break-even · €49
Cash flow forecast template in Excel for Irish businesses
A cash flow forecast template shows how much money will be in the bank month by month. This cash flow template for Excel follows the cash, not the invoices: debtor days, creditor days, VAT3 returns, PAYE and corporation tax payments, so the cash flow projection matches what the bank statement will really show.
Use it as a 12-month cash flow forecast for a bank or LEO application, as a 13 week cash flow template when cash is tight, or as a simple cash flow spreadsheet to compare actual vs forecast every month – with scenarios and a break-even, in Excel, with no macros and no subscription.
Cash Flow Forecast Template Excel€49