Cash Flow Template
Free 13-week cash flow forecast template for small businesses. Track income, expenses, and predict cash crunches before they happen.
What's Included:
- 13-week rolling forecast with automatic date calculation
- Separate tabs for operating, investing, and financing activities
- Built-in formulas for running balance and cash burn rate
- Visual charts showing weekly cash position trends
Available Formats:
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A 13-week cash flow forecast is the single most important financial tool for small business owners who want to avoid cash crunches. Unlike a profit-and-loss statement that looks backward, this template projects your cash position forward so you can see shortfalls weeks before they arrive. Use it every Monday morning to update actuals and roll the forecast forward.
To get the most out of this template, be conservative with your income estimates and aggressive with your expense timing. Enter customer payments based on when cash actually hits your bank—not when invoices are sent. If you spot a week where cash dips dangerously low, you have time to accelerate collections, delay vendor payments, or arrange a line of credit before the crunch hits.
How to Use This Template
Enter Starting Balance
Open the template and enter your current bank balance in the highlighted cell at the top of the forecast tab.
Fill In Weekly Cash Inflows and Outflows
Add expected customer payments, recurring revenue, and all anticipated expenses week by week across the 13-week horizon.
Review the Forecast Chart
Check the auto-generated cash position chart to spot any weeks where your balance dips below your minimum threshold.
Frequently Asked Questions
How often should I update my 13-week cash flow forecast?
Update the forecast weekly—ideally every Monday morning. Replace projected numbers for the prior week with actuals, then extend the forecast one more week so you always have a full 13-week view ahead.
What is the difference between a cash flow forecast and a profit and loss statement?
A P&L shows revenue and expenses on an accrual basis, while a cash flow forecast tracks when cash actually enters and leaves your bank account. You can be profitable on paper and still run out of cash if customer payments arrive late.
Related Financial Resources
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