13-Week Cash Flow forecast.xlsx

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O
1	13-Week Cash Flow Forecast
2	Revenue is vanity. Profit is sanity. Cash is reality.
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4	How to use this free calculator
5		1. Type your own numbers into the BLUE cells only. Every black figure is a formula that updates automatically — you never need to touch it. Start with your Beginning Cash Balance (Week 1), then enter your expected weekly Receipts (money in) and Disbursements (money out).
6		2. This sheet is pre-filled with an EXAMPLE business so you can see how it behaves. To build your own forecast, just type over the blue example figures (or clear them and start fresh).
7		3. The Short-Term Funding section is your early-warning system. Any week where 'New Funding Drawn' or 'Funding Outstanding' is highlighted AMBER, your own cash isn't enough to stay above your Minimum Cash Buffer — your cue to act early (chase invoices, delay non-essential spend, or line up an overdraft before you need it). If Ending Cash Balance ever turns RED you are forecast to run out of cash entirely that week.
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9	Line Items	Week 1	Week 2	Week 3	Week 4	Week 5	Week 6	Week 7	Week 8	Week 9	Week 10	Week 11	Week 12	Week 13	Total

10	Beginning Cash Balance	£15,000	£14,300	£16,300	£22,300	£22,300	£13,600	£10,000	£10,000	£10,000	£10,000	£12,900	£18,900	£26,900	£15,000
11	Receipts
12	Customer Collections	22,000	20,000	24,000	18,000	14,000	12,000	13,000	19,000	23,000	25,000	24,000	26,000	28,000	268,000
13	Other Receipts	-	-	-	-	-	-	-	2,000	-	-	-	-	-	2,000
14	Total Receipts	£22,000	£20,000	£24,000	£18,000	£14,000	£12,000	£13,000	£21,000	£23,000	£25,000	£24,000	£26,000	£28,000	£270,000
15	Disbursements
16	Payroll	6,500	6,500	6,500	6,500	6,500	6,500	6,500	6,500	6,500	6,500	6,500	6,500	6,500	84,500
17	Rent & Leases	4,000	-	-	-	4,000	-	-	-	4,000	-	-	-	4,000	16,000
18	Utilities	700	-	-	-	700	-	-	-	700	-	-	-	700	2,800
19	Inventory/COGS	9,000	9,000	9,000	9,000	9,000	9,000	9,000	9,000	9,000	9,000	9,000	9,000	9,000	117,000
20	Marketing	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	13,000
21	Other Disbursements	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	19,500
22	Total Disbursements	£22,700	£18,000	£18,000	£18,000	£22,700	£18,000	£18,000	£18,000	£22,700	£18,000	£18,000	£18,000	£22,700	£252,800
23	Net Cash Flow	(£700)	£2,000	£6,000	-	(£8,700)	(£6,000)	(£5,000)	£3,000	£300	£7,000	£6,000	£8,000	£5,300	£17,200
24	Ending Cash Balance	£14,300	£16,300	£22,300	£22,300	£13,600	£10,000	£10,000	£10,000	£10,000	£12,900	£18,900	£26,900	£32,200	£32,200
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26	Short-Term Funding (Overdraft / Loan)
27	Minimum Cash Buffer (set your target)	10,000	10,000	10,000	10,000	10,000	10,000	10,000	10,000	10,000	10,000	10,000	10,000	10,000
28	Funding Outstanding — Opening	-	-	-	-	-	-	2,400	7,400	4,400	4,100	-	-	-	-
29	New Funding Drawn	-	-	-	-	-	2,400	5,000	-	-	-	-	-	-	7,400
30	Funding Repaid	-	-	-	-	-	-	-	3,000	300	4,100	-	-	-	7,400
31	Funding Outstanding — Closing	-	-	-	-	-	£2,400	£7,400	£4,400	£4,100	-	-	-	-	-
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33	Key Insights (update automatically as you type)
34	Closing cash at Week 13				£32,200
35	Lowest projected cash (any week)				£10,000
36	Weeks needing short-term funding				4
37	Peak funding required				£7,400
38	Total cash in (13 weeks)				£270,000
39	Total cash out (13 weeks)				£252,800
40	Net cash movement (13 weeks)				£17,200
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