top of page

Personal Solutions: Smart Cash Sheet

Smart Packages

Smart: DIY
(requires basic Excel skills)

Link to the SCS template with projection capacity thru December 2023.

Instructional video available upon request.

The price is $127.00

Smartest – Membership Done for You

Hire CashIntel professionals to do the work for you. Includes initial SCS prep plus ongoing monthly updates.


 Contact us for a free consultation.

List of Documents

  1. Reconciled operating account bank balance (bank balance minus outstanding checks plus deposits in transit)

  2. Bills (account names, amounts, due dates)

  3. Credit cards (including estimated statement amount(s) and due date(s)

  4. Auto drafts such as subscriptions

  5. Income (take home pay amounts and pay dates – estimates ok if exact data N/A)



 Provide us with a bank download in Excel for the last 90 days (as alternative to gathering most of the                            above information)


  • What information do I need to set up my Smart Cash Sheet?
    1.Bank balance where all household income is deposited and payments are made out of 2.Outstanding checks 3.Deposits in transit 4.List of bills due – names, amounts and due dates, including auto drafts 5.Credit cards (including estimated statement amount, minimum payment info and due date) 6.Income information (including amounts and pay dates) or cash inflows estimates 7.Any significant plans for which cash will be needed
  • How long does it take to build up the sheet for the first time?
    The answer depends on the volume of transactions your household has and the Excel skills of the preparer. The first step to preparing the sheet is to gather the necessary information, which also takes time. The initial setup is always the most time-consuming part, taking around 1 hour.
  • How accurate are the Smart Cash Sheet cash level estimations?
    When the recommended instructions are followed, the Smart Cash Sheet predicts cash levels with reasonability. It is important to note that these are only estimations prepared with the current data and known present conditions. As a general rule, it is highly suggested to underestimate the cash coming in and overestimate the cash going out, as well as the timing. We also suggest adding an “floater” expense amount of $X.
  • What happens if the cash I had estimated in the sheet does not come in?
    Cash not coming in as expected is not uncommon. We recommend making significant financial decisions only when the predicted cash comes in. The advantage of the sheet is that it is not set in stone and can be adjusted or changed at any point in time.
  • What happens if there is an unexpected expense or an expense is higher than originally estimated in the sheet?
    Just as cash not coming in as predicted, unexpected expenses or higher amounts than estimated is not uncommon, either. We recommend adding a “floater expense” amount of X dollars to mitigate this risk. When an unexpected expense occurs, we recommend postponing any significant financial decisions until the cash levels are back on track.
  • I don’t know Excel, can I still do the work myself?
    Although the Excel level needed to manage the sheet is basic, we recommend hiring our firm to set up the initial worksheet. There is always the option of learning Excel on your own but this process can be time consuming. We can coach you to do the work yourself.
  • How long does it take to update or maintain the sheet going forward?
    The amount of time needed to update or maintain the sheet going forward will depend on the volume of transactions, how often the update is done and the Excel skills of the preparer. The initial sheet setup is the most time-consuming part. Be ready to spend anywhere between 1 to 2 hours for a full update every 30 days. Some folks update weekly, daily or as needed. The more often the update, the less time consuming.
  • Do I have to start from scratch every time I start a new template every month?
    No. You don’t have to build the spreadsheet from scratch. You can use the copy/paste feature in Excel to update the new templates. Just pay special attention to the dates and for ant new bills or other information that changed.
  • Can I use the sheet to calculate my taxes?
    No. The Smart Cash Sheet does not estimate taxes. We recommend discussing this with your tax preparer.
  • Can I include my credit cards in the sheet?
    Yes. The sheet would not be complete without the credit card bills. We treat this as any other bill due. Based on your history, we recommend estimating the amount due each month and inserting the cash outflow in the sheet in the corresponding due date. For example, the credit card statement that closed on 4/30 would be inserted in the sheet for May, as the due date is 5/30. If the payment were to be due on receipt, then insert the cash outflow in the sheet towards the of April.
  • At the end of the month my cash bank balance was significantly different than projected in the sheet, what did I do wrong?
    If the cash in the bank is lower than the projected in the sheet, you need to identify what caused the variance. After checking the sheet to ensure you did not miss any bills or auto drafts, check for any projected cash that did not come through or an expense that was not booked or a combination of both. If your cash flow tends to be volatile (difficult to predict), we recommend updating the sheet more often than the minimum suggested cadence of once a month. When cash is tight, some folks feel more comfortable updating the sheet weekly or even daily.
  • Can I project less time other than 6 months (i.e. just a week?)
    Yes. You can use the template and project for lesser periods. You can even project for just one day!
  • I am not an accountant, can I still do the work myself?
    Yes, to the degree you feel comfortable. The sheet is only a roadmap for yourself and your own decision-making. You always have the option of hiring our firm for coaching sessions or to do the initial sheet setup.
  • I am ready to use a new template for month number 2, do I have to re-type all my expense and income information?
    No. You can use the Excel feature Copy/Paste to transfer the data from the old sheet into the new one. Just be sure to paste special as value only. Also, be mindful of the dates as some bills due dates vary each month.
  • I am a solo practitioner, can I use the SCS personal for my business?
    Yes, as long as you don’t have a large volume of transactions. You can add your Accounts Receivable in the income section, as well as your Accounts Payable in the bills section. If you have a large volume of transactions, the SCS template for personal use will not be the most efficient. We recommend using the template for Small Business.
  • We use several bank accounts in my household, can I combine them in the SCS?
    Yes, you would need to combine all the bank accounts that receive income and all the bank accounts where payments are made out of for a more accurate dashboard.
  • I added a bill due on the 31st of the month, but I don’t see the bill in my dashboard for the subsequent months. What did I do wrong?
    As a general rule, because not all months have 31 days, we recommend entering bills due at the end of the month on the 30th. In case your sheet covers February, we recommend entering bills due at the end of the month on the 28th. This also applies to income. If your pay day is the last day of the month, insert the amount the day prior (either 30th or 28th for February).
  • Do you only offer DIY options for families and individuals?
    No. At Cashintel we can also build the initial spreadsheet for you. See FAQ question 1 for a list of documents we need. Depending on the volume of transactions, we can issue a quote to have our staff build the initial spreadsheet for you. Please use the Contact Us section to reach out to us.
  • I have quarterly bills, how do I add them into my Smart Cash Sheet?
    Bills that are due with a frequency other than monthly need to be added in the “Additional” tab under the specific due date. For example, the waste management bill is due one a quarter with the next due date on 10/31. You would just add this bill in the Additional sheet under the 10/31 cell.
  • I have paid some bills early this month, and they are still showing as due, how do I fix that?
    Add the bills that are already paid that show as open in the Additional section (as a negative amount). This is most common when you setup the spreadsheet for the first time. For example, on 8/21 you setup the spreadsheet and the insurance bill for August is normally due on the 22nd of the month for $150, but you have already paid it. You would need to add the insurance bill in the Additional sheet on 8/21 as negative amount or -$150.
  • How can I track if my living expenses are within budget?
    The Smart Cash Sheet does not currently offer automated ways of tracking your spending versus your budget. There are other products out there that can help you do this task. You can always do this manually and look at your actual spending versus budget weekly or even daily, depending on your needs and update the Smart Cash Sheet accordingly.
  • I have several bills due on the day I am preparing/updating my SCS – how do I handle those?
    Be sure that the balance you are entering already includes the bills that are due on that day. For example, you are setting up the SCS on September 1st and some bills are due that day. Your cash balance is $2,000 before making the payments and $1,000 after paying these bills. This is the balance you would enter on the Dashboard.
  • I have already paid some bills that show as open this month – how do I handle those?
    If you have already paid bills this month that are showing on your Dashboard to be deducted, you need to exclude those to avoid duplication. The way to do this is by entering the bills in the Additional tab as a negative amount. In general, any income amount entered in the Additional tab needs to be entered as a negative number. For example, it’s September 3rd and you have several bills that are due on the 4th but you have already paid for these, and therefore included in today’s cash balance. These show up in the Dashboard as due and to be deducted on the 4th. To avoid the duplication, you would enter the bill in the Additional as previously explained.

It is your axe—swing it!

I have had the pleasure of using Smart Cash Sheet for several years and it has been nothing short of spectacular. As a small business owner, cash flow is KING and without exception, Smart Cash Sheet allows me to make business decisions based on hard data not on “potential” projections. If you are a small business owner and want to sleep better at night BUY Smart Cash Sheet!

Christian Fitzgerald

The Orion Cooker

bottom of page