Free finance templates
Practical tools built by a CFO for owners and CEOs: download, enter your own numbers, and decide with evidence. Every template opens with a short "Start here" guide and a worked example.
Most templates are in English; some are bilingual (English and Arabic).
Cash & working capital
- ExcelAdded 5 November 2026
13-Week Cash Flow Forecast
See your cash position week by week for the next 13 weeks, with an automatic warning when cash is about to drop below the safety buffer you set.
What's inside
- Weekly opening cash, receipts, payments and closing cash, dated from one start date
- Minimum cash buffer with a red warning in any week below it
- Lowest-cash week, first shortfall and cash needed
- Chart of closing cash against your buffer
- ExcelAdded 5 November 2026
AR & AP Aging + Collections Tracker
See who owes you, whom you owe and how late each invoice is, with DSO, DPO, your top overdue customers and a simple collections action list.
What's inside
- Receivables and payables aged from the due date to an as-of date you choose (not yet due, 1-30, 31-60, 61-90, 90+)
- DSO and DPO calculated from your period sales and purchases, with cash tied up beyond your terms
- Top 10 overdue customers with credit-limit flags
- Collections list: priority, status dropdown, next action, owner and follow-up date
- ExcelAdded 5 November 2026
Inventory Control & Reorder
Value your stock at weighted-average cost and see at a glance what to reorder now and which items have stopped moving.
What's inside
- Stock register with weighted-average cost and stock value
- Reorder point from lead time and safety stock, with a suggested order quantity
- Slow-moving flag based on days since last movement
- Summary by category: value, items to reorder, slow-moving value
Planning & budgeting
- ExcelAdded 5 November 2026
Monthly P&L: Budget vs Actual
A ready-to-use monthly P&L that compares actual results with budget for all 12 months and flags falling margins and the biggest overspends for you.
What's inside
- 12-month Budget and Actual P&L with year-to-date and full-year totals
- Budget vs actual for any month, with a clear "+ better / − worse" rule
- Gross, operating and net margin % with trend alerts
- "What to look at" box naming the biggest adverse and favourable lines
- ExcelAdded 5 November 2026
Headcount & Opex Budget
Plan next year's people costs, operating expenses and equipment purchases month by month, with headcount, hires and leavers worked out for you.
What's inside
- Payroll plan by role with start/end month, on-costs % and annual raise
- Monthly headcount line plus new hires and leavers
- SG&A expense grid and one-off capex placed in the right month
- 12-month summary, key figures, checks and chart
- ExcelAdded 5 November 2026
Sales Pipeline & Weighted Forecast
Turn your deal list into a realistic 12-month revenue forecast: each stage sets a win probability, and you see weighted sales by month against your target.
What's inside
- Deal list with stage dropdown that sets the probability (override allowed) and weighted value
- Weighted forecast for 12 months from your chosen start month, against your monthly target
- Pipeline by stage and by salesperson, win rate and pipeline coverage
- Automatic flags for missing data and out-of-date close dates
- ExcelAdded 5 November 2026
Fixed Assets, Depreciation & Loan Schedule
Keep your fixed-asset register, five years of straight-line depreciation and your loan repayment schedule in one easy workbook.
What's inside
- Asset register with in-service date, cost, residual value and useful life
- 5-year depreciation, accumulated depreciation and net book value that stop at end of life
- Loan schedule: monthly payment, interest, principal and balance
- Annual summary with roll-forward checks and P&L charges
Pricing, profitability & decisions
- ExcelAdded 4 November 2026
Big Contract Deal Sheet
Test a large customer contract before you sign: real margin at the offered price, cash tied up in working capital, financing cost and a downside case, with a sign, renegotiate or walk-away recommendation.
What's inside
- Four scenarios: base case, late payment, lower volume, full stress
- Value of every 30 days of payment terms
- Customer-concentration check
- Six-point CFO checklist
- ExcelAdded 5 November 2026
In-House Finance Team: True Cost Calculator
Find out what your finance team really costs per year, including benefits, turnover, office, software and your own time, and compare it with any outsourced or fractional quote.
What's inside
- Fully-loaded cost per role: salary, bonus, social insurance, end-of-service, medical
- Hidden costs: turnover, software, IT, office seats, training, management time
- Type in a quote you received and compare both options side by side
- Guide to getting comparable quotes and the non-cost factors to weigh
- PDFAdded 5 November 2026
Do You Need a CFO? Decision Scorecard
A 15-minute scorecard that tells you whether to fix the basics, hire a finance manager, bring in a fractional CFO or hire a full-time CFO.
What's inside
- Problem-to-role matcher and readiness check
- 10-factor complexity score (0–20) with clear bands
- Time and cost test using your own quotes
- One-page decision tree and CFO output checklist
- ExcelAdded 5 November 2026
Pricing, Break-even & Margin Scenarios
Build your true cost per unit, find your break-even volume and the price you need to hit a profit target, and compare three pricing scenarios side by side.
What's inside
- Unit-cost build-up (materials, labour, per-unit overheads) and fixed costs
- Contribution margin, break-even units and revenue, and margin of safety
- Price needed for your target profit, in three scenarios side by side
- Price × volume profit grid and a break-even chart
- ExcelAdded 5 November 2026
Product & Service Line Profitability
See which products, services or client groups really make money, before and after overheads, and avoid cutting a line that is quietly paying your rent.
What's inside
- Contribution and contribution margin for up to 10 lines
- Overhead allocation by revenue, labour hours or your own %, with a balancing check
- Net profit, ranking and a plain-English verdict per line
- "Before you drop a line" box with profit impact if dropped
- ExcelAdded 5 November 2026
Project Costing & Profitability
Track every project's budget vs actual by cost category, forecast the final cost and margin, and see gross and net profit (after overheads) for each job and the whole portfolio.
What's inside
- Project register with contract, variations, budget by category, dates and % complete
- Labour log (hours × hourly cost rate) and a materials / subcontractor cost log
- Earned value, estimate at completion, forecast margin and margin fade
- Portfolio summary with gross vs net profit, billing position and automatic flags
Reporting & finance health
- ExcelAdded 5 November 2026
15-Minute Finance Health Diagnostic
Answer 15 quick questions and get an automatic finance health score, your maturity band and your top 3 priority fixes, each with a clear first action.
What's inside
- 15 dropdown questions across books, cash, reporting, controls and planning
- Automatic score out of 75 with section scores and a chart
- Your top 3 priority areas, each with a specific first action
- Next steps tailored to your maturity band
- ExcelAdded 5 November 2026
Monthly KPI Scorecard
Track 11 core finance KPIs month by month against your own targets, with automatic Red / Amber / Green status and a one-page monthly summary.
What's inside
- Simple monthly inputs from your P&L and balance sheet
- Margins, liquidity, DSO / DPO / DIO, cash conversion cycle, gearing, revenue per employee and cash runway
- Your own targets and "higher / lower is better" per KPI, with RAG colours
- One-screen summary: status, trend vs last month and where to look when a KPI is red
Compliance (Saudi Arabia, UAE, Egypt)
- PDFAdded 5 November 2026
Data Protection Checklist for Your Finance Function
A practical checklist for owners to map, protect and retain the personal data their finance team holds, with KSA, UAE and Egypt breach rules side by side.
What's inside
- Which law applies (KSA PDPL, UAE PDPL, Egypt Law 151) in one table
- Finance data inventory, access-control and retention checklists
- Vendor contract clauses and a vendor register
- 72-hour breach plan and contact sheet
- PDFAdded 5 November 2026
E-Invoicing Integration Readiness Checklist (Saudi Arabia)
A bilingual 29-point checklist to check, in 15 minutes, whether your business is ready to connect its invoicing to ZATCA's FATOORA platform, whatever your wave.
What's inside
- How Phase 2 waves work, and where to find your own integration date
- 29 tick-box checks across systems, invoice content, process, records and testing
- A readiness score with clear next steps
- Official ZATCA sources, dated
- ExcelAdded 5 November 2026
Saudi Tax Invoice Layout & VAT Check
A bilingual Saudi tax-invoice layout that checks your VAT maths and ZATCA required fields, so you can confirm your e-invoicing system's invoices are complete.
What's inside
- Specimen tax-invoice layout with automatic VAT by category and totals
- 8 automatic checks: VAT number format, buyer details, SAR 1,000 rule, exemption reasons
- 25-field checklist to audit invoices from your own system
- Reminder that real invoices must come from a compliant e-invoicing solution
Need help applying it to your business?
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