Free cost-loaded schedule · No signup
Free Cost-Loaded Schedule Template
Spread each activity’s budget across the months it runs and the monthly cash-flow forecast and cumulative S-curve draw themselves — the billing and cash-flow picture owners and lenders ask for.
- ✓Activity × month cost-loading matrix
- ✓Auto monthly cash-flow total across all activities
- ✓Cumulative spend curve (S-curve) with % complete
- ✓Distributed check + Δ-vs-budget flag per activity
- ✓Peak-month, total-budget, and % distributed KPIs
- ✓Live formulas — works in Excel, Sheets, Numbers
Cost-Loaded Schedule + Cash Flow Template
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Paper / Excel
- ✗ Hand-writes the form on the jobsite
- ✗ Re-types into Excel at the trailer
- ✗ Emails the PDF back to the office
- ✗ No audit trail, no signatures
- ✗ Data never feeds payroll or the budget
Field PM
- ✓ Fill out from a phone in under 3 min
- ✓ Photos, signatures, and audit log built in
- ✓ One-click PDF for the GC and owner
- ✓ Data feeds payroll, budget, and reports
- ✓ Replaces 5 forms with one platform
On your phone & tablet
Every template — in the app, in your pocket
This template and every other one is built into the Field PM app. Fill them out right from the jobsite on any iPhone, iPad, or Android — photos, signatures, and a clean GC-ready PDF included. Download free:
The platform behind the templates
Field PM — construction management from the field up
Frequently asked questions
What is a cost-loaded schedule?
A cost-loaded schedule assigns a dollar value to each schedule activity and then distributes that value across the periods (usually months) the work is performed. Rolling the columns up gives you a period-by-period cash-flow forecast and a cumulative spend curve (the S-curve). Owners, GCs, and lenders use it to see when money will be spent and billed across the life of a job.
How is a cost-loaded schedule different from a schedule of values?
A schedule of values (SOV) breaks the contract into line items and their dollar values — it answers "how much is each scope worth." A cost-loaded schedule takes those values and spreads them over time — it answers "when will each dollar be spent or billed." This template does the time-phasing and draws the resulting cash-flow curve for you.
How does the S-curve get built?
The template sums each month’s cost across every activity to get the monthly cash flow, adds the months together to get the running cumulative, and divides by the total budget to get percent complete. Plotted, that cumulative percentage traces the classic "S" — slow at mobilization, steep through the peak months, flattening at close-out. The in-cell bars redraw the instant you change a number.
Does it update automatically?
Yes. Type each activity’s budget and its monthly spread in the gold cells and the Distributed check, the Δ-vs-budget flag, the monthly cash-flow totals, the cumulative curve, percent complete, and every KPI recalculate instantly. It works in Excel, Google Sheets, and Numbers — no macros.
The cash-flow forecast every owner and lender asks for
A cost-loaded schedule turns a static budget into a picture of money over time. Assign each activity its dollar value, spread that value across the months the work happens, and the sum of each column becomes your monthly cash flow — the draw or billing forecast a GC, owner, or lender needs to plan funding.
Add the months together and divide by the total and you get the S-curve: a cumulative spend curve that rises slowly at mobilization, steepens through the peak, and flattens at close-out. This template builds the matrix, the monthly totals, and the curve from the same numbers, so they always agree — and a Δ column flags any activity that isn’t fully cost-loaded yet.
A spreadsheet is a forecast frozen the day you built it. Field PM builds the cost-loaded curve from your real budget and field-reported progress, and pairs it with AIA G702/G703 billing so the forecast and the actual draws stay in sync as the job runs.
Related free tools: the manpower loading + S-curve template for the labor side, the cash-flow / S-curve calculator to forecast draws from a contract value, and the schedule of values (AIA G703) for the billing breakdown.
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