NomadFinancials • Printable planning companion • 15 October 2026
Worked examples below are fictional illustrations. Replace the inputs with your own numbers. This is a manual worksheet, not a calculator or accounting system.
| Field | What to enter |
|---|---|
| Date | Expected bank-availability date or scheduled payment date |
| Description | Client receipt, bill, owner transfer, or planned purchase |
| Cash in / cash out | Use separate columns with positive amounts |
| Status | Planned, confirmed, received, paid, or delayed |
| Running balance | Previous balance + cash in − cash out |
| Next action | Confirm date, review purchase, or follow up |
| Date | Event | In | Out | Balance |
|---|---|---|---|---|
| Oct 1 | Opening available cash | — | — | $1,800 |
| Oct 2 | Workspace and software | — | $250 | $1,550 |
| Oct 3 | Planned household transfer | — | $1,000 | $550 |
| Oct 6 | Client A payment | $1,600 | — | $2,150 |
| Oct 8 | Equipment service | — | $400 | $1,750 |
| Oct 12 | Client B payment | $900 | — | $2,650 |
| Oct 15 | Planned household transfer | — | $1,000 | $1,650 |
| Date / period | Item / assumption | Cash in | Cash out / allocated | Balance / next action |
|---|---|---|---|---|
Do not count transfers between your own accounts as new income. Keep tax reserves and earmarked funds distinct from freely available cash.
Source guide: nomadfinancials.com/freelancer-cash-flow-calendar/