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.
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.