Cash flow & operations
13-Week Cash-Flow Forecast Builder
Build a 13-week cash forecast from collections, payroll, overhead and debt payments.
How to use this calculator
- Gather weekly opening cash; collections; payroll; overhead; debt; one-off costs. Use documents covering the same date or period.
- Replace the example values with your own figures. Add or remove rows to match your records. Change one assumption at a time to compare scenarios.
- Review lowest cash week; funding gap; closing balances; csv forecast. Open the breakdown and export a copy for discussion.
How the calculation works
Each week adds collections to the previous closing cash and subtracts payroll, overhead, debt and other costs. The lowest closing balance determines the extra opening cash needed to preserve your reserve.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Extra opening cash needed
- $0.00
- Lowest cash balance
- $17,000.00
- Closing cash balance
- $21,500.00
- Periods below reserve
- 0
Questions about the results
What does this tool include?
Build a 13-week cash forecast from collections, payroll, overhead and debt payments. Each week adds collections to the previous closing cash and subtracts payroll, overhead, debt and other costs. The lowest closing balance determines the extra opening cash needed to preserve your reserve.
What should I verify before relying on the result?
Enter cash movement, not accrued revenue. Weekly closing balances do not reveal intraday shortfalls. The table supports up to 52 weeks.
What this result does and does not tell you
Enter cash movement, not accrued revenue. Weekly closing balances do not reveal intraday shortfalls. The table supports up to 52 weeks.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.