Free tool · Construction
Construction financial statement template, from your own numbers
Type your revenue, margin, overhead, cash, how long project owners take to pay and the retainage they hold back. Get a 12-month profit and loss, balance sheet and cash-flow statement, a 13-week cash flow forecast and an Excel file with formulas. No signup, no email.
Computed by this tool for Cedar Plaza Builders, our example contractor. Type your numbers below to get yours.
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Build your report
1Your industry: Construction Change
2Your numbers
Prefilled with the figures of Cedar Plaza Builders, the example construction company in our sample report. Replace each number with yours. Reset to the example
How it is calculated
- Twelve months, starting on the 1st of next month, from the cash you have today. Sales run at the pace of the last 12 months; for SaaS they grow by your monthly rate, for hospitality they follow your seasonal swing with the peak in July.
- Profit and loss. Cost of sales = revenue × (100% − gross margin). Operating costs stay at the monthly figure you typed. Operating profit = gross profit − operating costs.
- Balance sheet. Receivables = a month’s sales × days customers take to pay ÷ 30. Supplier payables = a month’s cost of sales × days you take to pay ÷ 30. Stock = a month’s cost of sales × stock days ÷ 30. Retainage = the share held back on the last six months of bills. Equity grows by each month’s operating profit.
- Cash-flow statement. Operating profit, less the increase in receivables, retainage and stock, plus the increase in supplier payables. Cash at the end of each month is the balance-sheet cash.
- 13-week forecast. The first three months of the cash-flow statement, spread over weekdays: customer receipts and supplier payments evenly, operating costs 40% on the first weekday of the month and 30% each on the 15th and the last weekday (payroll). Week 13 ends on the last day of month three, on the same balance.
- Not in your inputs, so not in the report: loans, equipment purchases, depreciation, income tax and owner draws. Add them in the Excel file.
Every figure is whole dollars, rounded once, and every total adds up the rounded lines — so the balance sheet balances to the dollar, the cash flow ends on the balance-sheet cash and week 13 ends on month three’s cash. The page checks all three under the report.
What a contractor’s statements show that others’ do not
Retainage. Most construction contracts let the project owner hold back a share of each pay application until the job is substantially complete. That money is earned and billed but not yet due, so the balance sheet carries it as its own asset — retainage receivable — beside what customers owe now. In this template the share you type is held on every bill for six months, so the retainage line is six months of it.
Pay applications. A contractor bills as the work progresses, and the owner (or the general contractor above you) pays after review. The days customers take to pay are measured from that bill; on a large job they set how much cash the work in progress ties up.
Over and under billing. When billings run ahead of the work done, the excess is a liability; when the work runs ahead of billings, it is an asset. Both come from a work-in-progress schedule of each job’s costs and percent complete, which seven numbers cannot describe — so this template bills revenue as it is earned and leaves them out. Your books, with a WIP schedule, give the full picture.
Profit is not cash. Crews, subcontractors and materials are paid on their terms while the owner pays later and keeps the retainage. The cash-flow statement shows the gap month by month: receivables and retainage grow ahead of the payables that fund them, so a profitable year can still leave the bank balance thin.
Construction cash flow projection
The 13 weeks above are a short-term construction cash flow projection: the first three months of the statements laid out week by week, with payroll on the 15th and the month end and owner payments spread over the weekdays. Read the low week first — that is when a credit line, a faster pay application or a supplier’s terms matter. The twelve months behind it show whether the year’s profit comes back as cash or stays in receivables and retainage.
For the monthly view a contractor’s owners and bank expect — job margin, backlog, over and under billing — see the monthly management report for a construction company, or open the sample report for a construction company, built from a contractor’s books.
Questions
How does the template treat retainage?
The share you type is held back from every bill and paid six months later. It sits on the balance sheet as retainage receivable, apart from what customers owe now, and comes back into the 13 weeks as retainage released.
Why can a profitable contractor run short of cash?
Because crews, subcontractors and materials are paid before the owner pays the bill, and part of every bill is retained for months. The cash-flow statement shows the gap: receivables and retainage grow ahead of the payables that fund them.
Does it include over and under billing?
No. Over and under billing come from a work-in-progress schedule of each job's costs and percent complete, which a form of seven numbers cannot describe. The template bills revenue as it is earned; your books, with a WIP schedule, give the full picture.
Is this my company's real financial report?
No. It is an estimate built from the numbers you type, with the rules listed under How it is calculated. Your real statements come from your books: connect your accounting system and Ataski's Financial Analyst builds them from your ledger every month.
Do you save the numbers I type?
No. There is no signup and no email field. The numbers are sent to our server only to build the page and the Excel file; they are not written to a database or a log, and they never appear in a web address. We count that a report was built and for which industry, never the figures.