Free template
The 13-Week Cash Flow Template
The full template is built with you as part of a forecasting engagement, but the structure is no secret. Here it is, so you can build your own.
The structure — five columns, thirteen weeks
- 1. Opening cash — what's actually in the bank at the start of the week. Week 1 is a fact; every later week is the prior week's result.
- 2. Expected inflows — cash you expect to receive, by when it will actually land: collected receivables, counter sales, draws. Not invoices sent.
- 3. Expected outflows — payroll, suppliers, rent, loan payments, taxes, owner draws. Enter them the week they clear, not the month they're "due."
- 4. Net cash — inflows minus outflows for the week.
- 5. Closing balance — opening cash plus net. This becomes next week's opening cash.
What the first weeks look like
Illustrative sample — synthetic data, not an actual business
| Week | Opening cash | Inflows | Outflows | Net | Closing balance |
|---|---|---|---|---|---|
| 1 | $28,000 | $13,000 | $9,000 | $4,000 | $32,000 |
| 2 | $32,000 | $9,500 | $11,000 | -$1,500 | $30,500 |
| 3 | $30,500 | $4,000 | $8,200 | -$4,200 | $26,300 |
| 4 | $26,300 | $11,800 | $11,200 | $600 | $26,900 |
Notice week 3: a $4,200 net drain that lands while you still have time to do something about it. That early visibility is the entire product.
Rules that keep it honest
- Enter cash when it moves, not when it's promised.
- Include payroll taxes and loan principal — the P&L hides the second one.
- Update actuals weekly; the far weeks get more accurate every week you keep it.
Next step
Request a consultation
The first conversation is a short call about the decision in front of you — what you need, what it takes, and whether this practice is the right fit. Here's what happens after you submit the form:
- 01 You get a reply within one business day to schedule a call.
- 02 A 30-minute call about your questions — no documents needed up front.
- 03 A written proposal with scope, deliverables, and a flat fee — you decide from there.
