Start with one useful habit: record each transaction.
Cash flow describes when money enters and leaves your business. A positive sales month does not necessarily mean enough cash is available to pay current expenses. Use the transaction register consistently, then review the monthly totals before committing new spending.
Free worked cash flow example
These fictional figures illustrate the calculation. They are not customer results and do not appear in your blank transaction register.
| Item | Example USD |
|---|---|
| Opening balance | $1,500.00 |
| Customer receipts | +$3,200.00 |
| Rent | -$850.00 |
| Software expense | -$120.00 |
| Closing balance | $3,730.00 |
Calculation: opening balance + receipts - expenses = closing cash. This cash balance is not a measure of net profit, accounts receivable, outstanding liabilities or tax due.
What the $5.99 workbook includes
- Dashboard with annual cash movement and year-end balance
- Twelve monthly income, expense and closing-cash calculations
- Up to 300 dated transaction entries with editable categories and notes
- Dropdown selections, separate fictional sample records and setup instructions
- One Excel XLSX workbook, a plain-text guide and an internal-use license inside one ZIP file
Who should consider this template?
Freelancers who bill clients, side-business operators who receive irregular payments and small teams wanting a basic manual cash register. You supply your own transaction data. No bank account connection or hosted accounting service is provided.
How to use the workbook
- Enter your reporting year and starting cash balance on the Start Here sheet.
- Record each income or expense on the Transactions sheet with a valid date and positive USD amount.
- Select Income or Expense and an appropriate category.
- Review the Monthly Cashflow sheet and dashboard to identify months with negative cash movement.
- Compare your records with bank statements and consult a qualified professional for tax or accounting decisions.
Frequently asked questions
Is the price monthly?
No. The listed price is $5.99 USD for a one-time purchase.
Do I need an Excel subscription?
An application able to open and recalculate XLSX spreadsheets is required. Compatibility and formula calculations vary by software. Google Sheets import is not independently certified.
Does this replace bookkeeping software?
No. This is an offline planning worksheet. It does not reconcile bank accounts, send invoices, file taxes or offer professional accounting advice.
How is the file delivered?
Payment is handled on Stripe's secure checkout. The associated PrismBay download service checks the paid checkout session before issuing a short-lived file link. Contact support if access fails.
PrismBay Cashflow Studio v1
Original editable Excel tracker, fictional examples and getting-started guide. $5.99 USD, paid once.
Continue to Stripe checkoutSee the product details before purchase.