Farm Cash Flow Planner

FREE FARM FINANCIAL PLANNING TOOL

PLAN FOR THE SEASONS
BETWEEN THE SALES.

Map expected farm income and expenses across twelve months to see when cash may be plentiful, when it may become tight, and what may need your attention before the season begins.

BUILD YOUR CASH FLOW PLAN

BUILT FOR AGRICULTURAL SEASONALITY

A profitable year can still include cash-tight months.

Farm revenue and expenses rarely arrive in equal monthly amounts. Production costs may come months before crop or livestock proceeds, while loan payments, land rent, payroll, and equipment expenses continue throughout the year.

This planner helps you build a month-by-month cash projection using the timing of your expected receipts and payments.

12-MONTH CASH FLOW PLANNER

Build your farm cash flow projection

Enter your expected cash receipts and payments in the month you expect the money to enter or leave your accounts. Enter zero when a category does not apply.

Your information stays private. Entries are saved only in this browser and are not submitted to Nicole Locker Bookkeeping.
Farm and planning information
1

Estimate the timing

Enter money in the month you reasonably expect to receive or pay it, rather than spreading annual totals evenly.

2

Use realistic amounts

Base estimates on production plans, contracts, lender schedules, prior years, and currently available information.

3

Review low-cash months

Use the results to identify months that may require reduced spending, delayed purchases, or a conversation with your lender or financial professionals.

MONTHLY PROJECTION

Expected cash receipts and payments

On a phone or tablet, scroll horizontally to see every month.

Cash flow category

Beginning cash after January is calculated automatically using the prior month’s ending cash balance.

PROJECTED RESULTS

Your twelve-month cash outlook

ENTER YOUR ESTIMATES
Total cash inflows $0.00
Total cash outflows $0.00
Projected December cash $0.00
Lowest projected balance $0.00 No projection yet

ENDING CASH BY MONTH

Projected cash balance

Ending cash
Projected monthly ending cash A line graph showing the projected ending cash balance for each month.
Enter your beginning cash and monthly estimates to build your projection.
Planning notes and assumptions

Record assumptions about yields, prices, payment dates, insurance, operating lines, major purchases, or other items that could change the projection.

Your entries save automatically in this browser.

WHAT THE PROJECTION MAY REVEAL

See the pressure points before they arrive.

01

Seasonal cash gaps

Identify months when expenses may outpace receipts and available cash may become tight.

02

Major spending periods

See how seed, fertilizer, feed, land rent, labor, and equipment purchases affect available cash.

03

Financing needs

Estimate when operating-line advances may be needed and when cash may be available for repayment.

04

Changing assumptions

Test how delayed proceeds, higher input costs, or unexpected expenses could change the year’s cash position.

BOOKKEEPING FOR FARMS AND AGRICULTURAL BUSINESSES

Better planning begins with reliable books.

Nicole Locker Bookkeeping helps farms and agricultural businesses organize income, expenses, loans, equipment activity, and financial records so owners can see what their numbers are telling them.

SCHEDULE YOUR FREE DISCOVERY CALL

This planner is provided for general bookkeeping organization, educational use, and preliminary cash flow planning. Results depend entirely on the estimates entered and do not guarantee future performance. This tool does not provide tax, legal, lending, investment, accounting, or financial advice. Consult your CPA, lender, attorney, or other qualified professional about decisions affecting your business.

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