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Free cash flow plan template · Excel

Download the template, then automate your cash flow with Trezy.
Ready-to-use Excel template for monthly cash flow tracking — and the automated alternative in 30 seconds.
The Excel template
Free
Instant download
Fill manually
Trezy · The automatic version
€7.50
/month · from Starter plan
Setup: 30 seconds with AI
Download free template
✓ 14-day free Trezy trial
✓ Setup in 30 seconds
✓ No commitment
Trezy vs Modèle

Your profile, your solution

🎯

Use the Excel template if:

  • ✓ You're starting and want something simple
  • ✓ You have few transactions and one bank
  • ✓ You're comfortable with Excel
  • ✓ You have time to maintain it (5-10h/mo)
  • ✓ You prioritize simplicity over exhaustiveness
🏆

Move to Trezy if:

  • ✓ You have multiple banks to consolidate
  • ✓ You want automatic forecasts
  • ✓ You want to save 5-10h/month
  • ✓ Your budget is < €50/month

Key differentiation points

📊 The Excel template: starting point

  • • Monthly table with inflows/outflows
  • • Pre-filled formulas
  • • Scenario area for manual modeling
  • • Auto chart over 12 months

⚡ Trezy: full automation

  • • Smart Forecasts: automatic projections in 30 seconds
  • • AI categorization that learns
  • • 2,000+ banks connected
  • • What-if scenarios in 2 clicks

From template to automation

Trezy Excel · Great to start
Modèle Trezy · Great to grow

Excel template vs Trezy: when to switch to automation?

Criteria Trezy Modèle
For who? Starting micro-businesses SMBs wanting to automate (1-50)
💰 Monthly cost Free (with 365) From €7.50/month
⏱️ Setup Fill manually 30 seconds with AI
📚 Training Basic Excel None
💬 Support None Email + chat
👥 Users Manual file sharing Unlimited
AI Forecasts Manual formulas ✓ Automatic Smart Forecasts
Multi-entity Difficult ✓ Supported
Multi-currency Difficult ✓ Supported
Commitment None None
Free trial N/A 14 days

Why we compare

Excel templates are great to start. As your business grows, it becomes limiting. Trezy picks up where Excel ends.

See Trezy in action

Test the interface in real-time. See for yourself why it's 10x simpler than Modèle.

From Excel template to Trezy in 30 seconds

When ready, here's how to switch to automation.

1. Download the template

Lightning bolt icon for instant feature
Ready structure, formulas included.
⚡
Instant

2. When it gets heavy

Lightning bolt icon for instant feature
Too many banks? Too much maintenance? Time for Trezy.
🤖
After 2-3 months

3. Switch to Trezy

Lightning bolt icon for instant feature
Connect your bank — AI categorizes, forecasts, configures scenarios.
🚀
30 seconds
Try Trezy instead →
14-day free Trezy trial • No credit card • No commitment

Frequently asked questions

Everything about the template and Trezy
Is the Excel template really free? +
Yes, 100% free. Excel and Google Sheets format, no credit card required.
What's the difference between the template and Trezy? +
The template is a manual Excel sheet. Trezy automates everything by connecting to your bank.
When to switch from template to Trezy? +
When you spend more than 1h/week maintaining it, or manage multiple banks.
Can I import my Excel data into Trezy? +
Yes. Trezy imports directly from Excel or CSV.
Does the template include scenarios? +
Yes, a dedicated area for 3 scenarios. For complex scenarios, Trezy offers 2-click modeling.

Ready to start?

Template to start • Trezy to automate when ready
Both free to try.

✓ 14-day Trezy trial
✓ No credit card
✓ Support included
FREE FOREVER PLAN

Start Managing Your Finances for Free

Join 2,500+ businesses using Trezy. Our free plan gives you real financial visibility — upgrade anytime for advanced features like AI forecasting and multi-bank sync.

Free forever plan
No credit card required
Ready in under 5 minutes
Get Started Free

or see pricing

Cash flow plan Excel template · 2026 guide

A cash flow plan is essential. This Excel template lets you start fast, and Trezy lets you automate when ready.

📊 Template structure

Classic structure: inflows by category, outflows by category, monthly cumulative balance.

📈 Auto chart

Chart auto-updates from your data. 12-month cash trajectory visible.

🎯 Scenario area

Model 3 scenarios: optimistic, realistic, pessimistic.

🏦 Multi-bank (limited)

Template works for one bank. For several, you duplicate — that's Excel's limit.

⚡ Moving to automation

When maintenance gets heavy, Trezy takes over.

🆓 Free Trezy trial

Download the template to start, try Trezy for the automated version.

Why SMBs start with the template then switch to Trezy

Excel template is a great starting point. But as business grows, it hits limits.

Trezy picks up where Excel ends.

Over 2,500 businesses across Europe, the US, and Canada have made the switch to Trezy. Join them and experience the difference that purpose-built SMB treasury software can make for your business finances.

Download the template · Then try Trezy free

See for yourself why businesses choose Trezy. Connect your banks in minutes and experience AI-powered treasury management without any commitment.

Download free template