10 Best Free Financial Projection Templates for 2026 (Dec updated)
Creating accurate financial projections is a crucial step for any business owner or individual, yet it's often a moment that brings both excitement and uncertainty.
While financial forecasting can feel overwhelming and time-consuming, having solid projections helps you chart your company's future growth. A well-structured template simplifies the process and ensures you're considering all the critical financial metrics that investors, lenders, and stakeholders want to see.
If you're looking for reliable financial projection templates to jumpstart your planning for 2025, you've landed in the right spot.
What is a financial projection template?
A financial projection template is a pre-built spreadsheet or document that provides a structured framework for forecasting your business's future financial performance. As a foundational tool for financial planning, it helps you systematically estimate revenue, expenses, cash flow, and growth metrics without starting from scratch.
What makes a good financial projection template
A good financial projection template provides all the essential elements needed to create accurate forecasts, whether you're planning for the next 12 months or mapping out a 5-year strategy.
A good financial projection template should of course align with your business stage and purpose, whether it's for startup funding, established business planning, or specific project evaluation, because each scenario requires different assumptions and levels of detail.
Other valuable components of a financial projection template includes:
Integration with Financial Data: By connecting with your financial institutions (banks or payment providers), you can have automated data syncing, more effective financial tracking, and reduce tedious handling of CSV files.
Revenue Forecasting Section: Detailed monthly or quarterly sales projections, pricing assumptions, and growth rates. This section maps out expected income from all revenue streams.
Cost Structure Breakdown: Fixed and variable costs, including operational expenses, staffing plans, and resource requirements, as well as future expenses and recurring subscription-based costs. This shows how costs will scale with growth.
Cash Flow Projections: Month-by-month cash inflows and outflows, including working capital needs and investment timing. This helps predict potential cash shortages or surpluses.
Key Assumptions Dashboard: Clearly stated growth rates, market size, conversion rates, and other critical metrics that drive the projections. This makes it easy to adjust forecasts as assumptions change.
Scenario Analysis: Built-in capability to model different scenarios (best cast, worst case, most likely) to understand potential outcomes.
Visual Reports: Automated charts and graphs that translate numbers into clear visual trends and patterns for easier presentation to stakeholders.
Validation Checks: Built-in formulas to flag unrealistic projections or inconsistencies in the forecast model.
Your financial models, automated.
Rows lets you automate your financial projections via live bank account data.
Get Started (free)Template #1: Rows' 13-week Cash flow model
Rows financial projection template is a template that forecasts financial models over a 91-97 days period, which makes 13 weeks. It shows expected money coming in and going out on a week-by-week basis, helping you plan your finances.
This timeframe is long enough to plan ahead but short enough to stay accurate. While yearly forecasts become outdated and monthly views miss important patterns, a 13-week view gives you the right level of detail to make decisions.
The template is made with Rows, a spreadsheet-based platform used by modern business teams to gain autonomy over their data. Thanks to its AI Analyst, you can ask questions in plain language and Rows will handle the rest, whether that's spreadsheet operations, data import or transformations, or running Python code to do code-level analyses:
Spreadsheet operations: Automatically builds and maintains formulas, aggregates/disaggregates data (sums, totals, variances), reconciles data across different tables, and updates cash flow calculations accordingly. For example:
Data ingestion: Connects to external data sources like Stripe and Bank accounts to import transactions and balances directly into the spreadsheet manual entry. Watch the demo below:
PDF/Image extraction: Extracts financial data from invoices, bank statements, or receipts provided as PDFs or images and maps them into the correct cash flow categories. See it ingesting and organizing batches of invoices:
Code-level analyses: Runs Python behind the scene if you need complex scenario and sensitivity analysis, runway and burn-rate modeling, stress-testing cash positions, and simulating the impact of delayed payments or cost changes on future cash balances. Watch it side by side running a price sensitivity analysis against Google Sheets:
Bonus point: the template is ready to be presented to investors or partners, with 4 well-organized and tidy sections: monthly cash flow, annual cash flow, monthly P&L and annual P&L. Unlike other templates, this one comes in as a double edged sword—as it typically shows you an overview of both monthly and annual cash flow outcomes.
Curious to discover how Rows can help streamline other finance tasks? Check out our Vibe Analytics guide for CFOs.
How to use Rows’s cash flow template
Follow these steps to use the template effectively:
Step 1: Visit the 13-week cash flow model page.
And navigate to the top section of the page. Click on “use template”.
Step 2: Click on “create spreadsheet”.
This will enable you access the pre-built template on a new spreadsheet.
Step 3: You need to configure your bank account to Rows before you use this financial projection. Rows needs to access your bank account through Plaid to be able to analyze cash inflows and outflows.
Step 4: Pick your date range in the 'Transactions' page. By default it’s the last month, but you can choose a longer period.
The ‘Past transactions' table updates automatically using your bank data. Use columns E to categorize each of them. This will automatically populate the Actual CF table.
To project future weeks cash flows::
Use 'Recurring transactions' for regular payments like rent, salaries or subscription fees. Both incoming and outgoing.
Add future one-off bills in 'Next 13-week Account Payables'
List expected one off incoming flows in 'Next 13-week Account Receivables', such as client payments or returning deposits.
The cash flows section features 14 Rows of actual cash flows from different sources. The 'Cash Flows' page creates your weekly cash report automatically.
The '13-week CF forecast' table shows future estimates. Everything starts from the first Monday in your data.
Customize Use the 'Backoffice' table to add or change categories. Just add a row and type in new category names as needed.
Top Use Cases for a 13-week Cash Flow Model
A 13-week cash flow model can help businesses along four main dimensions:
1. Financial Planning: Forecast revenues and expenses weekly to anticipate seasonal trends, optimize purchase timing, and manage collections and payments.
2. Cash Management: Track working capital to ensure timely vendor payments, prevent cash shortfalls, and maintain strong supplier relationships.
3. Growth Planning: Evaluate the cash impact of new initiatives—hiring, equipment purchases, or expansion—over the next three months to make informed growth decisions.
4. Stakeholder Reporting: Provide investors and lenders with transparent, reliable cash flow projections. Regularly comparing forecasts to actuals builds credibility and trust.
Template #2 – Yearly Profit & Loss Forecast
This yearly Profit & Loss Forecast template is useful for business owners and financial managers who are looking for a comprehensive tool to project their company's financial performance over a 12-month period.
This template tracks your revenue and expenses so you can forecast your profits and losses for the next 12 months. It gives an overview of revenue, cost of sales, gross and net profit, operating expenses, industry averages, and taxes.
Template #3 – Three-Year Financial Model template
This three-year financial projection template is useful for business strategists and financial planners who are looking for a medium-term financial planning tool.
It features data sections on projected revenues, expenses, and growth rates for the next three years.
This template is ideal for startups pitching to investors who want a multi-year outlook because it breaks down revenue streams, growth rates, and cost structures over three years—And allows scenario planning for optimistic, moderate, or conservative growth.
Template #4 – SaaS Monthly Recurring Revenue (MRR) Forecaster
SaaS MRR forecaster templates are used by subscription businesses who are focused on scaling monthly recurring revenue. This template can track churn rate, new subscriptions and expansions.
Template #5 – eCommerce Sales & Inventory Forecast
This template focuses on product level sales, Cost of Goods Sold (COGS), and shipping cost. It integrates real-time inventory tracking for reorder points. With this template, you can calculate ending inventory and gain insights based on product demands, minimum order quantities per pallet and number of pallet purchases for the year.
Your financial models, automated.
Rows lets you automate your financial projections via live bank account data.
Get Started (free)Template #6 – Agency-Based Billing & Revenue Projection
This customizable sales and budget forecast template is used to project monthly sales and planned expenses for a company, including advertising, insurance, payroll, and overhead.
All you need is to add the estimated number of customers, average sale per customer, and average cost per sale. Once you’ve entered those values, pre-built formulas will calculate the total sales, gross profit, total expenses, and net profit for a 12-month period.
Template #7 – Restaurant Profit Projection
When restaurants are able to forecast future expenses and income revenue, they'll be able to align with their menu pricing, and ingredients costs. By tracking ingredient costs, labor expenses, and menu pricing, owners can identify cost-saving opportunities and plan profitable expansions.
Template #8 – Nonprofit Program Cost & Donation Forecast
Nonprofits need to keep monthly and quarterly tabs on donors’ cash flow. This template features pre-filled income sources — such as grants, donations, etc. — enable you to track monthly and quarterly income actuals. The template’s operating expenses section allows you to easily determine your rolling cash balance. This ensures accurate budgeting for programs while maintaining transparent financial records.
Template #9 – Manufacturing Cost & Revenue Planner
This Manufacturing Cost & Revenue Planner is useful for manufacturing managers and cost accountants who are looking to track production costs and analyze revenue streams in their manufacturing operations. It accurately forecasts raw material expenses, labor costs, and overhead, ensuring profitable production cycles for each product line.
Template #10: Automative Financial Projections
This Automotive Business Template is useful for auto dealership owners and managers who are looking for a structured tool to manage vehicle inventory, track sales performance, and monitor service department operations. The model includes everything from cash flow projections to balance sheets, and all financial results are automatically generated.
Your financial models, automated.
Rows lets you automate your financial projections via live bank account data.
Get Started (free)Conclusion
The templates above are varied according to niche category but not restrained to just one niche. But remember that not all templates serve a one side fits all approach.
For example, Rows template is able to offer what most basic templates can not offer: It can refresh data from your live sources automatically and secondly, with our AI analyst, you can ask questions and get answers about your finance data in split seconds.
Start using Rows' 13- week cash model template today!
