Manual cash flow tools

Immediate-use spreadsheets

Manual Cash Flow Tools for Contractors

If you are in a bind and need help organizing your cash flow right now, these manual spreadsheet tools can help you get your numbers in one place.

Use them to organize cash on hand, bills due, payroll pressure, vendor payments, job costs, and payment timing today.

Download Manual Cash Flow Tools See What's Included

Cash Flow

manual clarity

13 Weeks

cash forecast

Payments

what to pay

What's Included

Manual spreadsheet tools to get organized today.

These are immediate-use Excel workbooks for contractors who need to organize cash flow right now — no software platform, no setup, no waiting. Download, open in Excel, and start entering your numbers.

Job cost visibility

Cash timing

Payment sequencing

Vendor & sub tracking

Weekly cash clarity

Tool 01

Job Cost & Profitability Tracker

Know if each job is actually making money while there is still time to act.

Tool 02

13-Week Cash Flow Planner

See your cash position across the next 90 days before a shortfall becomes a crisis.

Tool 03

Payment Scheduler

Decide what to pay, when to pay it, and how to sequence bills with the cash you actually have.

Tool 04

Sub & Vendor Manager

Track subs, vendors, payment reliability, lien waivers, insurance, and compliance.

Free tool

Job Cost and Profitability Tracker

Built for

Builders Remodelers Subcontractors

Track job profitability, billing gaps, received cash, committed costs, and margin pressure before the project gets away from you.

                    WORKBOOK
                    .XLSX
                  

Received cash $128k

Margin pressure Visible

Download the Free Job Cost Tracker

$47 contractor cash flow bundle

Contractor Cash Flow Bundle

All four Excel spreadsheet tools to help contractors know what to pay, when to pay it, protect margins, reduce cash stress, and plan the financial week with clarity.

$47

Excel spreadsheet bundle

Get the $47 Contractor Cash Bundle

                      WHAT'S INCLUDED
                      BUNDLE
                    

Job Cost and Profitability Tracker

See profit, cash timing, and margin pressure.

13-Week Cash Flow Planner

Forecast cash before pressure hits.

Payment Scheduler

Sequence what to pay and why.

Subcontractor & Vendor Manager

Track vendor pressure, terms, and compliance.

Purchase confidence

Built to be simple, practical, and usable this week.

Cash Flow Office tools are Excel workbooks for contractors who need clearer job cost, cash flow, payment timing, and vendor decisions without adding another software platform.

The free Job Cost Tracker is one of the four tools in the bundle. The bundle adds the three tools that help with cash timing, payment sequencing, and vendor pressure.

Microsoft Excel workbook format

Instant digital download

No monthly subscription

Secure Stripe checkout

Built for contractors, remodelers, subs, and small construction businesses

Editable input cells with protected formulas

What happens next

Free tracker: submit your name and email, then download the Job Cost and Profitability Tracker.

Paid bundle: complete secure checkout, receive download access, and save the Excel workbooks to start using them.

Questions or download issues? Contact Cash Flow Office and we'll help you get access to your files.

How to use them

A weekly rhythm that turns cash into decisions.

Use the manual tools in a repeatable cadence: gather signals, map obligations, protect margin, release payments, and leave the week with clarity.

MON

Capture the field signals

Bank balance, expected draws, vendor requests, payroll, inspections, change orders, and job pressure.

TUE

Forecast the next 13 weeks

Map where cash tightens before it becomes an emergency and connect timing to project milestones.

WED

Protect the margin

Hold back what must be protected, flag scope drift, and separate real profit from available bank cash.

THU

Release pay decisions

Decide what to pay, how much, when, and what is intentionally delayed with explanation.

Before and After

Chaos before. Control after.

Cash Flow Office turns the emotional pressure of construction cash into a calm weekly planning process.

Before

Reactive cash week

Random payments 01

Cash surprises 02

Vendor pressure 03

Margin confusion 04

Payroll stress 05

After

Controlled weekly cash plan

Structured pay sequence 01

13-week visibility 02

Controlled vendor timing 03

Margin protection 04

Weekly financial clarity 05

Real cash scenarios

When the week gets messy, the system stays clear.

The work is not reporting history. The work is creating practical cash flow visibility while projects are still moving.

Decision engine

Draw is delayed

Cash Flow Office separates critical obligations from pressure payments, resets the pay queue, and shows how long the company can operate while the draw clears.

Owner question

What can we safely pay this week?

System output

A ranked pay release plan with cash buffer intact.

Cash map

Live

Available $92k

Committed $71k

Protected $21k

Recommended action

Release payroll and critical trades. Hold non-critical vendor balances until draw confirmation.

Timing clarity

Know the week cash breaks before it breaks.

Margin defense

Separate cash in the bank from cash you can spend.

Decision control

Pay with intention, not pressure.

About / Credentials

Built for owners who need practical cash flow visibility, not financial noise.

Cash Flow Office is designed around how residential construction actually feels: draws lag, trades call, materials hit early, payroll arrives fast, and the owner still has to make the call.

Construction-first logic

Designed around draws, retainage, job phases, trade timing, change orders, deposits, and owner pressure.

Weekly cash discipline

A repeatable process owners can use every week to reduce surprise and create calmer pay decisions.

Margin protection

Keeps profit, payroll, and project continuity grounded in real cash visibility — before false confidence from revenue or bank balance creates stress.

Owner-level clarity

Not a pile of reports. A weekly brief that tells the owner what matters, what is risky, and what to do next.

Operating principle

Cash is a schedule, not a balance.

Primary user

Residential builders and contractors.

Core outcome

Fewer surprise cash crunches.

Weekly question

What gets paid, when, and why?

Built with construction finance discipline and QuickBooks-aware workflows.

Practical contractor tools

Common questions

Clear answers before you download.

Cash Flow Office tools are practical Excel spreadsheets, not a replacement for your accountant, bookkeeper, or accounting system.

What do I get with the free Job Cost and Profitability Tracker?

You get an Excel workbook built to help contractors track job profitability, received cash, committed costs, billing gaps, and margin pressure while a job is still active.

What is included in the $47 Contractor Cash Flow Bundle?

The bundle includes four Excel tools: Job Cost and Profitability Tracker, 13-Week Cash Flow Planner, Payment Scheduler, and Subcontractor & Vendor Manager.

Is the free tracker the same one in the bundle?

Yes. The free Job Cost and Profitability Tracker is the same tool included in the bundle. The bundle adds three more: the 13-Week Cash Flow Planner, Payment Scheduler, and Subcontractor & Vendor Manager.

Do I need special software?

You need Microsoft Excel or an Excel-compatible spreadsheet program. No separate software installation or subscription is required.

Is this accounting software?

No. Cash Flow Office tools are practical decision spreadsheets. They are designed to help contractors see job costs, payment timing, vendor pressure, and short-term cash flow more clearly. They do not replace your accountant, bookkeeper, or accounting system.

Can I edit the files?

Yes. Input cells are designed for your numbers. Formula cells are protected to help prevent accidental changes.

Who is this built for?

Builders, remodelers, subcontractors, trade contractors, and small construction businesses that need better visibility into job costs, cash timing, payables, and vendor or subcontractor management.

Is there a subscription, and how do I get help?

No. The bundle is a one-time digital purchase. If you have a download issue, contact Cash Flow Office and we'll help you get access to your files.

Service boundary

Cash Flow Office provides AI-assisted cash flow education, tools, templates, prompts, setup support, and guided review depending on membership tier.

Cash Flow Office does not replace the contractor's accountant, bookkeeper, CPA, tax advisor, attorney, or financial institution.

All payment and cash management decisions remain the responsibility of the business owner.

Want more than manual spreadsheets?

Join the free AI Cash Flow Boot Camp.

Manual tools can help you get organized, but they still require you to do the work yourself. If you want help using AI to understand what to pay, when to pay it, how to pay it, and what cash pressure may be coming next, join the free 30-minute Cash Flow Office Boot Camp.

View Boot Camp Details

In the Boot Camp, Darlene introduces PayFlow CFO GPT and shows how contractors can begin using AI to manage weekly cash flow decisions with more clarity.