Cash Flow Forecast Calculator – 4-13 Weeks

A forecast rolls the cash balance forward week by week: start with today's bank balance, add the money you expect to collect (based on invoice due dates), and subtract the money you are contractually obliged to pay. Worked example: opening cash of $12,000 with weekly inflows of $9,000 and outflows of $10,500 dips to $10,500 by week 4 before a big collection lands — visible two moves early. Banks and investors usually ask for 13 weeks, updated weekly, because it predicts the exact week a shortfall arrives.

1. 1

   Enter opening cash

   Today's actual bank balance.

2. 2

   List weekly inflows

   Expected collections per week from receivables aging.

3. 3

   List weekly outflows

   Payroll, rent, suppliers, taxes, debt payments per week.

4. 4

   Read the projection

   Closing balance per week flags any negative dip.

• Projecting invoiced sales as cash in the week they are billed

• Leaving payroll taxes and VAT remittances out of outflows

• Building the forecast once and never updating it