# Cash Flow Forecast template question

**URL:** <https://community.tiller.com/t/cash-flow-forecast-template-question/7596>\
**Category:** Google Sheets\
**Tags:** tcs-cf-forecast\
**Created:** [February 10, 2021, 12:22am UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596 "2021-02-10T00:22:16Z")\
**Posts on this page:** 15\
**Page:** 2

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**Author:** ![Jamie.D](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/jamie.d/32/21847_2.png) [@Jamie.D](https://community.tiller.com/u/Jamie.D)\
**Post date:** [June 9, 2025, 3:58pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/22 "2025-06-09T15:58:28Z")

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You’re right - it’s doing it to both of our incomes, but my husband’s much more so (hence that 2057 - the year after he retires - duplicated income of 1.6M). I checked out those columns and everything looks as it should:

 ![Screenshot 2025-06-09 at 10.56.24 AM](https://us1.discourse-cdn.com/flex020/uploads/tillermoney/original/3X/9/c/9c649caa9a402ccd0845537eaffd726eaf3c81f3.png)

Maybe the sheet author, @jono, might have some more insight / advice?

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**Author:** ![jono](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/jono/32/283_2.png) [@jono](https://community.tiller.com/u/jono)\
**Post date:** [June 9, 2025, 11:18pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/23 "2025-06-09T23:18:12Z")

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Hi @Jamie.D

Thanks for sharing your issues with the sheet.

I created the original sheet and formulas. But they were modified by someone else to take advantage of some of the new Google Sheets functions. And honestly, i’m having trouble using understanding some of the new formulas.

Let me reach out to someone who might have modified the formulas and see if we can figure out what’s going on.

Jon

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**Author:** ![randy](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/randy/32/16_2.png) [@randy](https://community.tiller.com/u/randy)\
**Post date:** [June 16, 2025, 1:42pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/24 "2025-06-16T13:42:28Z")

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Hey everyone! Sorry to be so late to this. I have been working on some other development priorities and am returning to this thread today. Does anyone have a simple/minimum repro for this bug?

Thanks for your patience.

P.S. As @jono noted, he is the original creator of this template, but the bugs were almost certainly introduced when I tried to streamline some formulas about a year ago. Apologies.

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**Author:** ![randy](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/randy/32/16_2.png) [@randy](https://community.tiller.com/u/randy)\
**Post date:** [June 16, 2025, 2:58pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/25 "2025-06-16T14:58:49Z")

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Trying to work through the formula logic a bit, I think this is the intent…

- **Unadjusted Income**. This is your baseline budget values scaled with the fixed income growth in “Settings”.
- **Income Duplicated**. This is the same calculation as **Unadjusted Income** , but summed ONLY for values that are scheduled to be replaced by life events. Essentially, it is the value out of column `AC` from your budget scaled to the Income growth for any “… Paycheck” categories that are scheduled to be replaced. (Are you seeing numbers in `AC` for the overridden categories that could sum to ~$1.6MM? Or is it possible your budget has redundant rows for the “… Paycheck” category you are overriding?)
- **Life Events Income**. This the sum of the scheduled income events.

Essentially, your **Yearly Cash Flow** for Income will be the Unadjusted Income baseline - Income Duplicated for scheduled replacements + Life Events Income which is the scheduled replacement value.

One thing that is confusing to me about the screenshot you shared is that the Life Events column is zero. When you have overrides like 2025-2056 of $811k, I’d expect that value to be part of the total in column `Q` up to 2056.

As for the formula you shared for Income Duplicated, it is summing values matching all of these criteria…

- `YEAR >= VALUE($A$17:$A)` - If the year in column `A` is greater than or equal to the active row `L`.
- `YEAR <= VALUE($B$17:$B)` - If the year in column `B` is less than or equal to the active row `L`.
- `$C$17:$C` - If the life event is toggled active.
- `IFERROR(MATCH(D$17:D, $Z$2:$Z, 0), 0)` - If the name of the life event in column `D` matches a budgeted category listed in column `Z`.
- `X$17:X = “Income”` - If the “Life Event Type” finds a category match type of “Income” as shown for the life event row in column `X`.
- `IFERROR(VLOOKUP($D$17:$D, { $Z$2:$Z, $AC$2:$AC }, 2, FALSE), 0)` - Retrieves baseline budget value for category via lookup from life event name to match on category name (column `Z`) then category baseline budget (column `AC`).
- `POW(1+$E$5, YEAR - $AF$10)` - Applies budget scaling factor from `E5` “Income Budget Change / Year”.

I know this isn’t a solution but hopefully it provides enough context to get closer to the answer. Really curious to hear if this helps.

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**Author:** ![jono](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/jono/32/283_2.png) [@jono](https://community.tiller.com/u/jono)\
**Post date:** [June 16, 2025, 8:25pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/26 "2025-06-16T20:25:02Z")

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Thanks for looking into this @randy

For what it’s worth, i asked ChatGPT to compare the old formulas in Column O, P and Q to the new ones and see if they would yield different results. It basically said they SHOULD produce the same results.

It also said the new formulas are cleaner , easier to debug, and better for future-proofing.

So i’m not sure either where the issue is coming from.

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**Author:** ![randy](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/randy/32/16_2.png) [@randy](https://community.tiller.com/u/randy)\
**Post date:** [June 17, 2025, 2:32pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/27 "2025-06-17T14:32:41Z")

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I like the idea of having ChatGPT compare the formulas.

No guarantees but I wonder if there is something in the dataset that is causing this problem? Like a category that is listed twice in the budget.

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**Author:** ![gallagher.patty5](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/gallagher.patty5/32/20917_2.png) [@gallagher.patty5](https://community.tiller.com/u/gallagher.patty5)\
**Post date:** [November 5, 2025, 3:00am UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/28 "2025-11-05T03:00:27Z")

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I have read several posts on how to correctly add Life Events for the Cash Flow sheet. However it isn’t working as I’d expect it too. I am entering a $0 amount for the income category starting the years of retirement. What happens is the Income Duplicated column is compounding rather than Adjusted Income reduces.  
A similar thing happens when I put a Life Events for expenses that are expected to end. The Expenses Duplicated column increases.

What is the purpose of the “Duplicated” columns?  
Am I entering the Life Events incorrectly?

 ![IMG_1279](https://us1.discourse-cdn.com/flex020/uploads/tillermoney/original/3X/a/5/a5a19f330fd9d03796d188d573e268451852b357.jpeg)

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**Author:** ![twalane](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/twalane/32/16372_2.png) [@twalane](https://community.tiller.com/u/twalane)\
**Post date:** [November 10, 2025, 7:23pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/29 "2025-11-10T19:23:07Z")

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Hi @gallagher.patty5 . The columns you’re looking at are usually hidden and are the backend of the sheet. Have you done any edits past column J? The cells in green are the only cells you should edit, the rest are automatically calculated.

In case you have made edits where you shouldn’t have I suggest that you [restore](https://help.tiller.com/en/articles/3278731-using-the-tiller-money-feeds-add-on-for-google-sheets#h_5e258c112f) the template. Then perhaps write into support with specifics of your entries and what you’re expecting to see, we might need to see what’s in your Categories sheet. You can use the blue chat widget in the lower right corner of your Console at [https://my.tiller.com](https://my.tiller.com/) or write to [support@tiller.com](mailto:support@tiller.com).

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<div class="post-metadata">

**Author:** ![gallagher.patty5](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/gallagher.patty5/32/20917_2.png) [@gallagher.patty5](https://community.tiller.com/u/gallagher.patty5)\
**Post date:** [November 15, 2025, 3:38pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/30 "2025-11-15T15:38:11Z")

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Thank you for the reply. I have not modified any cells that are not shaded green. I only expanded the columns to the right to understand the outcomes of entering the life events. I just can make sense of how to enter future changes. I am trying to enter the end of my salary at the point of retirement. Then also the end of some of my loans (car and mortgage). I did recently start over with the cash flow sheet, so I have a new version.

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<div class="post-metadata">

**Author:** ![twalane](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/twalane/32/16372_2.png) [@twalane](https://community.tiller.com/u/twalane)\
**Post date:** [November 18, 2025, 3:08am UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/31 "2025-11-18T03:08:00Z")

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oh ok @gallagher.patty5 and your data is as expected now in the new sheet?

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<div class="post-metadata">

**Author:** ![gallagher.patty5](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/gallagher.patty5/32/20917_2.png) [@gallagher.patty5](https://community.tiller.com/u/gallagher.patty5)\
**Post date:** [November 19, 2025, 1:08am UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/32 "2025-11-19T01:08:34Z")

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Yes. The categories and budget are pulling in. I just am not confident I’m adding the life events I mentioned correctly.

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<div class="post-metadata">

**Author:** ![twalane](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/twalane/32/16372_2.png) [@twalane](https://community.tiller.com/u/twalane)\
**Post date:** [November 20, 2025, 3:15pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/33 "2025-11-20T15:15:21Z")

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@gallagher.patty5 I think you can do a quick spot check of the yearly cashflow chart for all the start years of your life events, and see if that makes sense against the 2025 cashflow if that’s the baseline. E.g. if your 2025 cashflow is x amount, and you’re expecting by 2026 amount y starting to come in, the 2026 forecast should be up by y amount, assuming everything stays constant. Right? I think you just have to pay attention to some variables especially if you have change % annually. And just monitor for the earlier days and see if it makes sense and fine tune accordingly to make sure you’ve configured it right.

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<div class="post-metadata">

**Author:** ![gallagher.patty5](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/gallagher.patty5/32/20917_2.png) [@gallagher.patty5](https://community.tiller.com/u/gallagher.patty5)\
**Post date:** [November 30, 2025, 4:33pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/35 "2025-11-30T16:33:20Z")

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I am having the same issue as mentioned in this post -

[https://community.tiller.com/t/cash-flow-post-retirement-expenses-out-of-control/32288/9](https://community.tiller.com/t/cash-flow-post-retirement-expenses-out-of-control/32288/9). Using the solution posted with an updated formula corrected the issue. Now the life events are working as expected.

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<div class="post-metadata">

**Author:** ![twalane](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/twalane/32/16372_2.png) [@twalane](https://community.tiller.com/u/twalane)\
**Post date:** [December 2, 2025, 8:42pm UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/36 "2025-12-02T20:42:32Z")

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@gallagher.patty5 Thanks for sharing that thread and the update on the solution , fantastic!

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<div class="post-metadata">

**Author:** ![jono](https://sea2.discourse-cdn.com/flex020/user_avatar/community.tiller.com/jono/32/283_2.png) [@jono](https://community.tiller.com/u/jono)\
**Post date:** [January 6, 2026, 1:37am UTC](https://community.tiller.com/t/cash-flow-forecast-template-question/7596/37 "2026-01-06T01:37:09Z")

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We believe this issue has been solved. Thanks to @Lulu for your help.

Thanks to everyone’s comments.

@randy wrote this in another thread

> I just got this published. If you open the TMF add-on and navigate to Browse Templates, the Cashflow Forecast should now show an Update option to 0.96. Can you run the update and confirm it is working properly now? Thanks and have a great weekend.

For more details, see

[Cash Flow Post-Retirement Expenses Out of Control - #17 by randy](https://community.tiller.com/t/cash-flow-post-retirement-expenses-out-of-control/32288/17)

[Previous page](https://community.tiller.com/t/cash-flow-forecast-template-question/7596.md?page=1)