Free Cash Flow Forecast Template (Singapore)
Free 12-month cash flow forecast in Excel, built for Singapore SMEs — GST payments to IRAS, CPF contributions, and PayNow receipts as first-class line items.
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What this template is
A 12-month rolling cash flow forecast in Excel. Inflows and outflows are laid out month by month with the categories that actually hit a Singapore SME’s bank account — including quarterly GST payments to IRAS, monthly CPF contributions and SDL, and corporate tax.
Net cash flow, opening and closing balances chain automatically across the twelve months, so you can see the exact month your bank balance goes negative — before it happens.
It downloads pre-filled with a year of sample figures for a GST-registered SME — quarterly GST payments to IRAS, monthly CPF, a corporate tax bill in Month 11 — so you can see how the sheet behaves before entering your own numbers.
How to use it
- The sample figures are in grey italics — overtype them with your own numbers as you go.
- Start with the opening bank balance in Month 1 — the closing balance of each month feeds the next automatically.
- Fill in expected inflows: customer receipts (GST-inclusive, as they actually land in the bank), PayNow/cash sales, and any GST refunds, loans or capital.
- Fill in outflows month by month — remember GST to IRAS is quarterly and corporate tax is usually months after year end, so put them in the months they’re actually paid.
- Watch the closing-balance row: any month it approaches zero is your early warning. Update the sheet with actuals monthly and re-forecast the remaining months.
Made for Singapore
- Cash flow is GST-inclusive by design — forecast the amounts that actually move through the bank, then show GST payments to IRAS as their own quarterly outflow row.
- CPF contributions and the Skills Development Levy are due monthly (by the 14th of the following month) — the template gives them a dedicated row because they’re the most commonly forgotten outflow.
- Corporate income tax is typically paid in the year after the profit is earned (or by instalments) — forecast it in the months IRAS will actually collect it.
Frequently asked questions
Should the forecast use GST-inclusive or exclusive amounts?
Inclusive. A cash flow forecast models your bank account, and customers pay you the GST-inclusive amount. The GST you owe IRAS then appears as its own quarterly outflow row, which is exactly how this template is set up.
How is this different from a profit and loss statement?
P&L measures profitability on an accrual basis (when revenue is earned); cash flow measures money movement (when it’s actually paid). A business can be profitable on paper and still run out of cash — this template exists to catch that.
How often should I update the forecast?
Monthly at minimum: replace the forecast with actuals for the month just ended and re-forecast the remaining months. Weekly if cash is tight.
More free templates
- Free Profit & Loss Template (Singapore) — SG-relevant expense lines like CPF and SDL, percent-of-revenue column, and a 17% tax note
- Free Balance Sheet Template (Singapore) — assets, liabilities and equity with GST and CPF payable lines, plus a built-in balancing check
- Free Invoice Template (Singapore) — IRAS-compliant tax invoice layout with GST at 9%, UEN and GST registration fields, and PayNow payment details
Last reviewed 3 July 2026. Tax rates and thresholds change — verify against IRAS before relying on them.