What You Get :
- 12-month layout (July–June) with monthly columns for every income and
expense line - Income section: Service Revenue, Product Sales, Other Income
- Expense section: 13 categories including Rent, Utilities, Marketing, Insurance,
Wages, GST Payable, Super Contributions and Tax Provision - Net Cash Position row auto-calculated for every month
- Annual Total column for full-year view
- GST registration field, flag whether you’re registered to keep GST separate
- Pairs with Sole App AI Agent for automated in-app cash flow intelligence
Who It’s For :
Any sole trader who wants to know whether they’ll have enough cash to pay
bills, tax, and super, before those bills arrive. Especially critical for sole
traders with irregular income: tradies, freelancers, NDIS providers and seasonal
businesses.
ATO / Compliance Note :
Cash flow forecasting supports your ability to meet BAS obligations (quarterly
GST), super contributions (quarterly for employees, annual for yourself), and
income tax instalments (PAYG Instalments). Sole App’s AI Agent uses your real
transaction data to forecast forward, more accurate than any spreadsheet.
FAQ :
What’s the difference between cash flow and profit?
Profit is revenue minus expenses. Cash flow is the actual money moving in and
out of your bank account at a given time. You can be profitable on paper but
cash-flow negative if clients pay late. This template tracks cash flow.
Should I include GST in my cash flow forecast?
Yes, include GST in your income figures as you will actually receive it
(including GST), then add a GST Payable line in expenses for the amount you
owe the ATO at BAS time.
How does this pair with Sole App’s AI Agent?
The template is your starting point for manual planning. Sole App’s AI
Intelligence Agent analyses your actual transaction history to forecast cash flow in real time, no spreadsheet needed once you’re using the app.