This editable 13-week cash-flow forecast helps a small-business owner see when collections and payments could leave too little available cash. Use either the Excel download or the original Google Sheets version. Replace the fictional sample amounts with verified figures before making decisions.
Download the Excel workbook (XLSX) or open the Google Sheets version and choose File → Make a copy.
What’s inside?
Seven tabs: Start Here (instructions), 13-Week Forecast (linked weekly cash balances), Weekly Cash Check (the first four weeks and lowest balance), Reserve Target (owner-chosen assumptions), Delay Scenario (move an expected customer payment to a later week), 12-Month Planning (separate monthly view), and Weekly Closeout (actuals and rolling-forecast instructions).
Check inputs before acting
Start with your reconciled available cash. Place expected receipts and legally or contractually required payments in the weeks when cash will actually move. The first four fictional weeks have been reconciled against the calculations. Rows 30 and 31 both begin ACTION REQUIRED so each week stays marked VERIFY INPUTS until you verify payment dates and cash assumptions. Future zero entries are placeholders until reviewed.
The delayed-receipt scenario models a positive customer receipt that moves to a later week. Weekly Closeout records actual bank results before you roll the forecast forward. Neither version connects to a bank or calculates statutory deadlines. Check payroll and tax obligations separately, including cutoffs within a week.
For the complete setup and weekly rollover walkthrough, see How to Build a 13-Week Cash Flow Forecast. For decisions based on the projected low point, see How to Manage Cash Flow in a Small Business.