13-Week Cash Flow Forecast Tool

Estimate weekly cash visibility, cash gaps, reserve pressure, payroll timing, taxes, vendor payments, debt obligations, and owner draws.

Important: For educational and screening purposes only. These tools do not constitute legal, tax, accounting, or financial advice and do not create a CPA-client relationship. Review any results with a qualified professional before taking action.

Screening tool only. Do not enter bank account numbers, login credentials, or confidential documents. This tool is educational and does not replace a CFO or accounting review.

Section A: Starting cash

Current bank balance

Minimum desired cash reserve

Current undeposited funds

Available line of credit

Section B: Business context

Business type

Payroll frequency

Main collection cycle

Biggest current concern

Sections C and D: 13-week inflows and outflows

Enter only amounts you can reasonably estimate. Leave unknown categories as zero and update the forecast weekly.

Why use a 13-week cash flow forecast?

It is short enough to update weekly and long enough to see payroll, tax, vendor, and debt pressure before it becomes urgent.

How often should I update it?

Weekly is best for businesses with tight cash, recurring payroll, or active AR/AP timing issues.

What if collections are unpredictable?

Use conservative assumptions and update the model as collections become more certain.

Can this replace a CFO?

No. It is a screening and planning tool, not a replacement for advisory judgment.