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.
| Row | What belongs there |
|---|---|
| Opening available cash | Prior week's closing balance, using a consistent scope |
| Client cash receipts | Expected available payments, not merely invoices issued |
| Other external receipts | Separately labeled sources, without treating borrowing as sales |
| Business outflows | Actual expected payment timing for business costs |
| Owner transfers | Planned cash moving to household use |
| Other obligations | Known payments included in the forecast's scope |
| Closing available cash | Opening cash + receipts − outflows |
| Week | Opening | Receipts | Outflows | Closing |
|---|---|---|---|---|
| 1 | $2,400 | $800 | $1,200 | $2,000 |
| 2 | $2,000 | $1,600 | $1,500 | $2,100 |
| 3 | $2,100 | $0 | $1,100 | $1,000 |
| 4 | $1,000 | $2,200 | $1,400 | $1,800 |
| 5 | $1,800 | $700 | $1,300 | $1,200 |
| 6 | $1,200 | $1,500 | $1,200 | $1,500 |
| Week | Base closing cash | Delayed closing cash |
|---|---|---|
| 1 | $2,000 | $2,000 |
| 2 | $2,100 | $500 |
| 3 | $1,000 | −$600 |
| 4 | $1,800 | $1,800 |
| 5 | $1,200 | $1,200 |
| 6 | $1,500 | $1,500 |
| 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-forecast/