13 Week Cash Flow Forecast Template, Google Sheets and Excel

What you get

Six connected worksheets:

• Start Here - the instructions, the color key, the Google Sheets import steps and the license.
• Setup - your business name, the Monday the forecast starts, your opening bank balance and the minimum balance you want to keep. Four entries the rest of the file reads.
• Money In - up to forty named income lines, one column per week for thirteen weeks, so you type an expected amount into the week you expect it rather than the month.
• Money Out - the same shape for what goes out: rent, subscriptions, contractor payments, tax set aside, loan repayments, owner drawings, or whatever lines your business uses.
• Weekly Summary - the spine of the file: opening balance, money in, money out, net movement and closing balance for each of the thirteen weeks, with the lowest balance and the first week it drops under your minimum both called out at the top, and a chart of the thirteen closing balances against that minimum.
• Scenario - three levers for a worse week: less money in than planned, money in arriving late, and one named payment not arriving at all, with the resulting closing balances shown beside the base case.

You type each figure into the week you expect it. Every total, closing balance and scenario figure is a formula, so a changed figure moves all thirteen weeks with it. There are 435 formulas in the file and not one typed in total.

Who it is for

A freelancer, contractor or single owner business that bills on invoices and wants to see the weeks ahead, not the year ahead. It suits an operation that can name its main income and outgoing lines by hand, up to forty of each.

It is not built for a business that wants its bank account connected directly, or its invoices entered without any typing. If either of those is you, this file is not the right tool.

What it is not

This is not accounting software. It does not connect to a bank or a card, and it does not import a statement. You type each figure in yourself, as your own expectation for that week.

It calculates nothing beyond adding up what you type. Every total, closing balance and scenario figure is arithmetic on numbers you typed in, added up week by week. It does not predict what your business will do, and it is not a guarantee of any result.

It is not financial advice. It is not investment advice. Nothing here sets your prices or your spending, or tells you how to run your business.

Refunds

Refunds within 30 days, for any reason. Reply to your receipt and the payment goes back in full. You keep the files; there is nothing to return.