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Cash Flow Visibility Kit
See exactly where your money is going — and where it will be in 90 days — with one Google Sheet
The free cash flow tracker that gives small business owners the financial clarity their accountant never did.
Setup Time
45 minutes one-time setup
Ongoing Saving
2 hours saved per month vs manual tracking
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The Shortcut
A finance consultant would charge $150 to $500 to build a cash flow model like this for your business. This template: free.
The Problem
You know roughly how much is coming in. You know roughly what goes out. But you do not know if you can afford to hire next month, or whether that quiet season in three months will be a problem or a disaster. Most small business owners are flying blind on cash flow — and they only find out it is a problem when invoices are overdue and the account is empty.
The Solution
The Cash Flow Visibility Kit is a pre-built Google Sheets template that tracks your income, expenses, and net position week by week, then projects your cash position 90 days into the future based on your patterns. It flags the months where you are at risk so you can act early — not in a panic.
Cost of Doing Nothing
A single cash flow crisis — a late-paying client, a quiet month, an unexpected expense — can cost you more than $5,000 in stress, missed opportunities, or emergency borrowing. This template costs nothing.
The Catch
This is a Google Sheets template, not accounting software. It requires you to enter your income and expenses — it does not connect to your bank automatically. For automated bank syncing, you would need a tool like Wave or Xero.
ROI Calculation
Free template that prevents one cash flow crisis per year = value depends on your business size. For a $5,000/month business, catching one bad month early is worth $500 to $2,000 in avoided stress and emergency costs.
What You Get
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Features Included
✓Monthly Income Tracker
✓Expense Tracker
✓90-Day Cash Forecast
✓Cash Gap Alert
✓Monthly P and L Summary
✓Seasonal Pattern Chart
Use Cases
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Our Verdict
If you are running a small business without clear visibility of your cash position, this free template will show you something important within the first month of using it.
Frequently Asked Questions
Is this really free?
Yes. Enter your email and you get the Google Sheets template instantly. No credit card, no trial period, no catch.
Do I need to know how to use Google Sheets?
Basic familiarity helps, but the setup guide walks you through every step. If you can open a spreadsheet and type numbers, you can use this template.
Does it connect to my bank automatically?
No — this is a manual entry template. You enter your income and expenses yourself. For automated bank syncing, we recommend Wave (free) or Xero.
What is the difference between this and accounting software?
Accounting software tracks what happened. This template helps you see what is about to happen. They work well together — use this for forward visibility and accounting software for records.
Can I share it with my accountant?
Yes. Since it lives in your Google Drive, you can share it with anyone using the standard Google Sheets sharing feature.
Will you send me emails after I sign up?
You will receive the template link and occasional practical business content from Aheri Systems. You can unsubscribe at any time.
What if I want more advanced features?
The template covers the core needs of a small service business. If you need automated syncing, multi-currency support, or payroll tracking, we recommend Wave (free) or FreshBooks (paid).