Dovea Cash Flow & Tax Reserve Planner V1
Dovea Cash Flow & Tax Reserve Planner V1
See what cash may be available after planned payments and reserves. This 12-month cash flow and tax reserve spreadsheet helps freelancers and small service businesses distinguish operating cash from money set aside.
What the planner helps you do
- Build a 12-month cash-flow forecast
- Track operating cash separately from reserved cash
- Plan income-tax reserves using your own percentage
- Plan VAT or sales-tax reserves when applicable
- Enter reserve payments in the correct months
- Monitor your selected minimum operating-cash buffer
- Identify reserve shortfalls automatically
- See how owner withdrawals and other payments affect cash
- Review future cash levels before potential problems appear
THREE CASH POSITIONS, KEPT CLEAR
The planner separates:
Operating Cash
Money available for ordinary business spending.
Tax Reserve
Money set aside for income-tax payments.
VAT / Sales Tax Reserve
Money reserved for VAT or sales-tax obligations.
This makes it easier to distinguish total money in the business from cash that is genuinely available for everyday use.
Smart reserve-shortfall handling
If a tax or VAT/sales-tax payment is larger than the amount available in that reserve, the reserve stops at zero.
Any excess payment is automatically funded from Operating Cash without counting the same payment twice.
Dashboard results
Review the most important figures in one place:
- Starting total cash
- Ending operating cash
- Ending reserve cash
- Ending total cash
- Lowest operating-cash balance
- Number of months below your selected buffer
- Twelve-month operating and total-cash chart
- Monthly buffer status
What you receive
- Microsoft Excel workbook (.xlsx)
- Google Sheets access with a secure Make a copy link
- START HERE guide
- English How to Use guide
- Setup, Cash Plan, Dashboard and Guide tabs
- Complete 12-month cash roll-forward
- Editable input areas and automatic calculations
How it works
1. Select your forecast starting month.
2. Enter starting operating cash and existing reserve balances.
3. Set your minimum cash buffer and reserve percentages.
4. Add monthly cash received, operating costs, withdrawals and other payments.
5. Enter tax and VAT/sales-tax payments in the months they are expected.
6. Review the Dashboard and monthly cash-position forecast.
Reserve percentages and payment timing must be based on your own business circumstances.
Language and customization
The planner is provided in English. Input fields, labels and text can be customized for your own internal use. Formula cells should remain unchanged to preserve the calculations.
Compatibility
Designed for Microsoft Excel and Google Sheets. Google Sheets users receive access to a view-only master and create their own editable copy.
This planner is a business planning and decision-support tool. It does not calculate your official tax liability or provide tax, VAT, accounting, financial or legal advice. Results depend on the information entered. Confirm reserve percentages and payment timing with a qualified professional when necessary.
Purchase with confidence
- Instant digital delivery after purchase
- Works with Microsoft Excel and/or Google Sheets as described above
- One-time purchase — no subscription
- Questions? Contact support@doveatools.com
Dovea tools support planning and decision-making. They do not guarantee a specific income, profit, saving or business result.