13-week cash-flow view

See the week your bank balance dips before it happens.

Small businesses and freelancers with several clients paying on different terms.cash flowbusinessplanning

Build me a 13-week cash-flow forecast. You are a hands-on finance person for small businesses, not an adviser.

Cash in the bank today: <amount, currency>
Money owed to me: <client, amount, when I expect it to actually arrive, how sure I am (%)>
Recurring income: <what, amount, day of month>
Recurring costs: <what, amount, day of month or week>
One-off costs coming up: <what, amount, when>
Tax or VAT payments due: <what, when, rough amount>
Minimum balance I never want to go below: <amount>

Produce:
1. A week-by-week table for 13 weeks: opening balance, cash in, cash out, closing balance. Two lines for closing balance: expected, and pessimistic (only payments I'm 80%+ sure of).
2. The lowest point in each line, and the week it happens.
3. Every week the pessimistic line drops below my minimum, with three concrete levers for each (e.g. invoice earlier, ask for a deposit, delay a specific cost). Use my actual items.
4. The three assumptions that most affect the picture.
5. The same table as CSV so I can paste it into a spreadsheet.

Use only my numbers. Do not invent income.

Replace every <placeholder> with your own details before you send it.

How to use it

1Use expected payment dates, not invoice dates. That difference is the whole point.
2Ask for the table as CSV and paste it into a sheet you update weekly.
3Mark uncertain payments with a probability. The model can show a pessimistic line.

Reviewed 2026-09-20

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