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A cash flow statement, sized for a micro.

Twelve months of cash in, cash out, and closing balance on one sheet. The formulas are already wired: type your numbers, and each month's closing rolls into the next month's opening.

Download the Excel template Free · .xlsx · No signup

Pick your format.

Same statement in each. The Excel file carries the formulas; the CSV is a clean skeleton for whatever tool you prefer.

Excel · recommended

Excel, formulas included

Monthly totals, net cash flow, and rolling balances are pre-wired. Fill the white cells and the bottom line takes care of itself.

Download .xlsx
Google Sheets

Open it in Google Sheets

Upload the .xlsx to Google Drive and open it. Sheets converts the file with every formula intact, so the statement lives in your browser.

Get the .xlsx
CSV · .csv

Plain CSV skeleton

Just the rows and headers, no formulas. Import it into your own spreadsheet, your accounting software, or a script.

Download .csv

What's inside.

The direct method: money in, money out, what's left. No accruals and no adjustments an accountant would need to explain.

Cash in

Where money arrives

  • Counter and cash sales
  • Bank transfers and DuitNow
  • Marketplace and delivery payouts (Shopee, Lazada, Grab)
  • Other cash in, like rebates or your own top-ups
Cash out

Where money leaves

  • Stock and supplies
  • Rent, utilities, internet
  • Salaries plus EPF / SOCSO / EIS
  • Loan repayments
  • Equipment and repairs
Balances

The lines that matter

  • Net cash flow: cash in minus cash out
  • Opening balance carried forward from last month's closing
  • Closing balance: what's actually in the drawer and the bank
Year view

The 13th column

  • Every row totals across the full year
  • Expensive months stand out at a glance
  • Year opening and closing sit next to the monthly detail

Is this a proper cash flow statement?

It's a direct-method cash flow statement: the kind you run a business with, and the kind a bank officer expects with a micro-financing application. It is not the MFRS indirect-method statement an auditor prepares from full accounts. If you ever need that one, your accountant builds it from your books; this sheet is how you keep an eye on the cash in the meantime.

See the automatic version Browse the other templates

From download to closing balance.

Ten minutes to set up, then a few minutes a week.

  1. Start

    Type one number: today's cash

    Count the drawer, check the bank, and put the total in January's opening balance. That single figure anchors the whole year.

  2. Fill

    Log cash in and out, monthly

    Once a week or once a month, drop your takings and payments into the right rows. Round figures are fine; the point is the pattern, not the cents.

  3. Read

    Watch the closing line

    A shrinking closing balance shows a cash gap months before it hurts. That's the moment to chase invoices or delay a purchase, while there's still time.

Download the Excel template

Who uses this.

Anyone whose money moves faster than their paperwork.

Kedai · F&B

Cash counter plus delivery apps

Counter takings land daily, GrabFood pays out weekly. This sheet is where both streams finally meet in one place.

Online seller

Marketplace payout lag

Shopee holds your money for days while suppliers want theirs now. Seeing that timing gap on paper stops it from surprising you.

Services

Lumpy project income

Two invoices in March, nothing in April. A rolling balance shows whether the fat months really cover the thin ones.

Financing

Loan and grant applications

TEKUN, BSN, and most micro-financing forms ask for a simple cash flow. This is that document, ready to print or attach.

Common questions, short answers.

Is this actually free?

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Yes. No signup, no email gate, no watermark. Download it, keep it, share it with a friend who needs it.

What's the difference between this and a profit & loss?

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A P&L counts income when you invoice, even if the customer hasn't paid. A cash flow statement counts money only when it actually moves. That's why a profitable business can still run out of cash — and why banks ask for this one.

Is this the statement my accountant or auditor needs?

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This is a direct-method statement for running the business. Audited financial statements use the indirect method under MFRS, and your accountant prepares those from your full accounts. Handing them this sheet still helps: it shows your cash reality between visits.

Do the formulas work in Google Sheets?

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Yes. Upload the .xlsx to Google Drive and open it with Sheets — totals, net cash flow, and the rolling balances all convert cleanly. The CSV version has no formulas by design.

Can I use this for a loan application?

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For most micro-financing (TEKUN, BSN, agency grants) a monthly cash flow in this shape is exactly what's requested. Some lenders also want bank statements alongside, so keep those handy.

What if I mix personal and business money?

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Track the business share as best you can, and record your own top-ups under "other cash in". Then open a separate business account — it's the single change that makes every future statement easier.

Related tools & templates.

If this page helped, these should too.

Invoice template (Malaysia)

SST-ready with BRN and TIN fields. Fill it online and download an A4 PDF.

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Dashboard & reports

Kiira draws your cash position live from booked receipts and invoices. No spreadsheet upkeep.

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Income tax calculator

Estimate the year-end tax on the profit those cash flows produce.

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When the spreadsheet gets old

The statement that
fills itself.

Forward receipts and sales on WhatsApp and Kiira books them. Your cash position updates on the dashboard without you touching a formula.

Free tier · No card · Malaysia
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