13-Week Cash Flow Forecast
The 13-week cash forecast is the core short-horizon tool CFOs use to see problems before they happen. Enter what you expect to collect and pay, then use the what-if levers to stress-test it.
Lowest weekly balance
-$4,550.00
First week below the line
Week 9 (2026-10-27)
Weeks until cash goes negative
12
| Week of | In | Out | Net | Balance |
|---|---|---|---|---|
| 2026-09-01 | $6,000 | $11,400 | -$5,400 | $36,600 |
| 2026-09-08 | $0 | $2,350 | -$2,350 | $34,250 |
| 2026-09-15 | $0 | $8,200 | -$8,200 | $26,050 |
| 2026-09-22 | $9,500 | $0 | $9,500 | $35,550 |
| 2026-09-29 | $6,000 | $11,400 | -$5,400 | $30,150 |
| 2026-10-06 | $0 | $900 | -$900 | $29,250 |
| 2026-10-13 | $0 | $9,650 | -$9,650 | $19,600 |
| 2026-10-20 | $0 | $0 | $0 | $19,600 |
| 2026-10-27 | $0 | $11,400 | -$11,400 | $8,200 |
| 2026-11-03 | $6,000 | $0 | $6,000 | $14,200 |
| 2026-11-10 | $0 | $10,550 | -$10,550 | $3,650 |
| 2026-11-17 | $0 | $0 | $0 | $3,650 |
| 2026-11-24 | $0 | $8,200 | -$8,200 | -$4,550 |
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How it works
- Set your cash on hand today, the forecast start date, and a low-balance warning line.
- List expected money in (receivables) and money out (bills), each with a date and how often it repeats.
- The tool projects 13 weekly buckets, running your balance forward week by week.
- What-if levers shift every receivable later by N days and scale bills up or down by a percent.
Assumptions
- Recurring items repeat on a fixed 7 / 14 / 30-day step from their start date.
- Weekly buckets start on the forecast start date; an item counts in the week its date falls in.
- No financing, interest, or taxes are modeled unless you enter them as line items.
- Nothing is saved — reloading the page resets to the sample data.
Frequently asked questions
Related
This tool provides estimates for general planning only and is not tax, legal, or accounting advice. Verify with a licensed CPA for your specific situation.
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