Interactive template
13-Week Cash Flow Model
The direct, short-horizon forecast treasury runs liquidity on. Enter your opening balance and each week's receipts and payments; it computes net flow and the running closing balance, and flags the week you'd go short. It's the working companion to the 13-week cash flow guide.
| Line | W1 | W2 | W3 | W4 | W5 | W6 | W7 | W8 | W9 | W10 | W11 | W12 | W13 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Receipts | |||||||||||||
| Total receipts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payments | |||||||||||||
| Total payments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net cash flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Closing balance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Direct forecast: bottom-up from real expected receipts and payments, best for the operational short horizon. A negative closing balance is a week you'd need funding — spotted here, in time to arrange it. Enter receipts and payments as positive amounts; a negative cell is treated as a correction (it subtracts from that line's total), not an error. Nothing you enter leaves your browser.
Worked example
A five-week slice of the model, in €000, for a company that pays payroll fortnightly and has a quarterly VAT payment landing in week 3 — the miniature from the 13-week cash flow guide. Illustrative figures to show the mechanics: not benchmarks, and not a claim about your company.
Inputs (€000)
- Opening balance (W1)620
- Total receipts W1555
- Total payments W1690
- Total receipts W2720
- Total payments W2515
- Total receipts W3505
- Total payments W31,135
- Total receipts W4800
- Total payments W4410
- Total receipts W5655
- Total payments W5695
Result (€000)
- Net flow W1 (555 − 690)−135
- Closing W1 (620 − 135)485
- Net flow W2 (720 − 515)+205
- Closing W2 (485 + 205)690
- Net flow W3 (505 − 1,135)−630
- Closing W3 (690 − 630)60
- Net flow W4 (800 − 410)+390
- Closing W4 (60 + 390)450
- Net flow W5 (655 − 695)−40
- Closing W5 (450 − 40)410
- Lowest closing, W1–W560
No week closes below zero, so the shortfall flag stays off — the pressure shows up as a lowest closing balance of 60, against, say, a 250 operating minimum. And not because the business is weak: collections are steady all five weeks. It's that fortnightly payroll and the quarterly VAT payment land in the same week. Seen in week 1, that's a timing problem with two weeks to solve it — pull collections forward, shift a supplier payment into week 4, pre-arrange a drawdown. Seen on the morning of week 3, it's a crisis.
How this works
Methodology
A direct, bottom-up forecast: each week's net flow is receipts minus payments, and the closing balance carries forward from the opening balance. The first week the closing balance turns negative is your funding gap.
Assumptions
- Your weekly receipt and payment figures are your best real estimates, entered as positive amounts.
- Timing is by week; within-week timing (a payment due Monday vs Friday) is not modelled.
- The opening balance is the actual cash available at the start of week 1.
Limitations
- It is a planning model, not a bank feed — it is only as good as the figures you put in.
- Thirteen weeks is a short operational horizon, not a strategic or annual forecast.
- No FX, interest or intra-week sequencing — a single-currency, week-grained view.
Frequently asked questions
Does anything I type into this model leave my browser?
No. There is no account and no upload: the arithmetic runs in the page, and your opening balance, row labels and 13 weeks of figures are kept in this browser's local storage. This tool has no share link, so your numbers can't end up in a URL either. Consent-gated analytics records that the model was used or exported and whether the closing balance ever went negative — never the amounts or the labels you gave your lines.
How do I get the forecast into a spreadsheet?
Export CSV downloads 13-week-cash-flow.csv with one column per week, W1 to W13, and a row for the opening balance, each receipt line, total receipts, each payment line, total payments, net cash flow and the closing balance. It opens straight in Excel or Google Sheets. The file holds values, not formulas — the totals are the numbers this page computed, so a figure edited in the spreadsheet won't reflow the rest.
Will my rows still be here when I come back?
Yes, in the same browser. Entries are saved locally a moment after you stop typing and restored on your next visit, with a notice saying so and a Start fresh link that wipes them. Nothing syncs to an account or to another device, a private window or cleared site data loses everything, and if the browser refuses to save — storage full or blocked for this site — the notice tells you so rather than promising a save that isn't happening.
Can I rename the lines or add my own?
Yes. The seven seeded lines — two receipt rows, five payment rows — are a starting point: type over any label, and + row adds another to either block. A block always keeps at least one row, so the last one can't be removed; clear its figures instead. A restored session brings back up to 40 rows per block.
What does this model not account for?
Anything finer than a week, and anything beyond one currency: within-week timing (a payment due Monday rather than Friday), FX and interest are not modelled. It takes the opening balance as the actual cash you hold at the start of week 1, expects receipts and payments as positive amounts, and treats the first week the closing balance turns negative as your funding gap. It is a planning model, not a bank feed — it is only as good as the figures you put in.
These answers are about the template. What a 13-week forecast is, why it runs 13 weeks and how to build one are covered in the 13-week cash flow forecast guide.