Cash flow statement template
An editable cash flow statement template: add, edit or delete lines across operating, investing and financing activities, get the net cash flow of each section and the overall increase in cash, derive the closing balance from the opening balance and check it against the figure you enter — with a hand-written CSV export that includes a BOM.
Runs in your browserEvery computation happens in your browser — your data never leaves this device.
Cash flow lines
All money is handled as integer cents, entered in yuan; enter inflows as positive and outflows as negative, and both names and amounts are editable.
| Line item | Amount (yuan) | |
|---|---|---|
| Operating activities | ||
| Subtotal | 300,000.00 | |
| Investing activities | ||
| Subtotal | -150,000.00 | |
| Financing activities | ||
| Subtotal | 150,000.00 | |
Net increase in cash and equivalents
300,000.00-150,000.00150,000.00300,000.00500,000.00800,000.000.00What this tool does
- Produce a cash flow statement for a small business: enter the amounts against the example lines and the tool totals operating, investing and financing activities, gives the net increase in cash and derives the closing balance.
- Reconcile against the bank: enter your closing balance and, if it does not match, the hint tells you which way it differs and by how much so you can find the gap.
- Read where the money came from: negative investing cash flow usually means expansion, positive means you recovered investments, and a persistently negative operating flow is the signal to watch.
- Export a working paper: a CSV with a BOM that Excel opens cleanly, ready to paste into a pack for your bank or investors.
Example
Input
Example lines: operating — cash from sales 1,500,000, tax refunds 20,000, paid for goods −800,000, paid to employees −300,000, taxes paid −120,000; investing — investments recovered 50,000, assets purchased −200,000; financing — borrowings received 300,000, debt repaid −100,000, dividends paid −50,000; opening balance 500,000 and closing balance 800,000
Output
Net operating 300,000.00; net investing −150,000.00; net financing 150,000.00; net increase in cash 300,000.00; opening balance 500,000.00; closing balance 800,000.00; consistent with the figure entered
Change cash from sales to 1,400,000 and the net increase becomes 200,000 with a closing balance of 700,000, 100,000 short of the 800,000 entered — the hint reports that the entered closing balance is 100,000.00 higher than the computed figure.
Frequently asked questions
How should inflows and outflows be entered?
Enter inflows as positive and outflows as negative, so each section total is a simple sum with no sign juggling. If you prefer entering outflows as positive, stay consistent everywhere, otherwise the net figures will be wrong.
Why does my closing balance not match?
Three usual causes: a cash flow is missing (bank charges or interest income, for example); a sign is reversed (a payment entered as positive); or the opening balance disagrees with the bank statement. The hint gives the size and direction of the gap, so check those two items first.
How do I tell operating, investing and financing apart?
Roughly: day-to-day trading (cash from sales, payments for goods and wages, taxes) is operating; buying or selling long-term assets and external investments is investing; borrowings, repayments, capital injections and dividends are financing. A misclassification does not change the net increase but distorts the three subtotals and misleads analysis.
Will the exported CSV have encoding problems?
No. The file starts with a UTF-8 BOM so Excel detects the encoding, commas, quotes and line breaks inside line names are quoted and escaped per RFC 4180, and rows end with CRLF for compatibility with Excel and other spreadsheet tools.
Is my data uploaded anywhere?
No. The lines and amounts live only in browser memory, the CSV is generated locally as text, the page makes no requests, and a refresh returns you to the example data.
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