Free weekly cash planning tool

13-Week Cash-Flow Forecaster

Project weekly cash balances, spot upcoming shortages before they happen and see which weeks need attention first.

Simple forecaster

Enter your average weekly cash flow

Updates live

Starting cash balance

Minimum cash reserve

Average weekly cash collected

Cash actually expected to arrive, not invoiced revenue. Average weekly operating payments

Large one-time cash inflow

Inflow arrives in week

week

Large one-time cash payment

Payment occurs in week

week

Weekly ending cashPrior week ending cash + cash collected - cash paid ± one-time cash events.

Forecast result

Cash position snapshot

Lowest projected cash balance $30,500 Expected in Week 13

13-week ending cash$30,500

Above reserve

Weekly net cash flow-$1,500

Total 13-week inflow$244,000

Total 13-week outflow$265,500

Weeks below reserve0

First shortage weekNone

Cash cushion vs reserve$15,500

Cash safety levelLowest balance is 203% of reserve

OfficeQ readout

The business stays above the selected reserve throughout the 13-week forecast.

Simple forecast

Weekly cash balance

13 weeks

Week	Starting cash	Cash in	Cash out	Net change	Ending cash	Status

Advanced forecaster

Build the 13-week cash plan

Updates live

Opening position

Starting cash balance

Minimum cash reserve

Weekly baseline

Customer collections

Payroll

Vendors / COGS

Rent / facilities

Debt payments

Other operating payments

Collection & spending trends

Weekly collection growth

Weekly payment growth

Collection haircut

Reduce expected collections for caution.

One-time cash events

Week

Description

Cash impact

Week

Description

Cash impact

Week

Description

Cash impact

Advanced forecastCollections and recurring payments can grow or decline weekly, while one-time events are applied to the selected week.

13-week forecast

Weekly cash schedule

Beginning cash → ending cash

Week	Starting cash	Collections	Recurring payments	One-time events	Ending cash	Status

Stress test

Cash position under weaker collections

Same spending assumptions

Scenario	Collection change	Ending cash	Lowest cash	First reserve breach	Funding gap	Signal

Reading the forecast

Profit does not pay bills. Cash does.

A 13-week forecast focuses on when cash actually arrives and when cash actually leaves. That makes it especially useful for payroll, tax payments, large vendor bills, debt service and slow-paying customers.

The most useful number is often not the ending balance. It is the lowest point during the forecast and the first week the business falls below its minimum operating reserve.

CollectionsUse expected cash receipts, not accounting revenue.

ReserveSet a cash floor the business should avoid crossing.

One-time eventsAdd taxes, equipment, financing, insurance or large customer receipts.