Your P&L reports the quarter. Your bank account has a worst week.
A free Excel template that takes your opening cash, revenue, collection and payment terms, and recurring costs — and returns a week-by-week cash forecast for the next quarter, including the exact week your balance hits bottom. Built by experienced finance professionals.
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- Used by US small & mid-sized businesses
- Excel format
- No credit card required
- Updated 2026
An Excel file with three sheets and one job: show you the next thirteen weeks.
One input page, one output page. Fifteen inputs to fill, thirteen weeks to read.
Cover sheet
Entity name, usage notes, and an index that links straight to the input and output pages. Open it once, read it once, you are done.
Inputs sheet
Seven assumptions — start date, opening cash, monthly revenue, growth, COGS %, AR days, AP days — plus eight recurring expense lines, each set to monthly or bi-weekly. Yellow cells with blue text are the only ones you edit.
Output sheet
Seven key metrics and the full 13-week grid: revenue, COGS, gross margin, AR collections, vendor payments, recurring expenses, net cash flow, and opening and ending cash for every single week.
Seven assumptions. Eight expense lines. Thirteen weeks out.
The three inputs that do the real work are COGS %, AR days and AP days — they decide when money moves, not just how much. Every recurring expense carries its own frequency, so payroll can run bi-weekly while rent and loan payments run monthly. That single detail is what produces the sawtooth in your cash line, and it is exactly what a monthly forecast averages away.
A 55% gross margin business, $116,000 down in one quarter.
Nothing in the sample scenario is broken. Revenue grows 2% a month, gross margin is 55%, every bill is one a real business has to pay. The business is profitable on paper across all thirteen weeks. Its cash balance still falls by six figures — because revenue and cash are two different events separated by your collection terms.
That is the mechanism behind almost every solvent business that misses a payment: not a margin problem, a timing problem. And it is invisible on a monthly view. The sample quarter ends at $133,505, which looks perfectly comfortable, while the real low point is $129,677 in week five — after two payroll runs and before the first collections arrive. A monthly forecast reports the comfortable number and never mentions the tight one.
Thirteen weeks is the horizon where timing becomes visible and still actionable. Far enough out to see the trough coming, close enough that you can still do something about it — pull a collection forward, move a payment run, draw on the line before you need it rather than the week you do.
Four steps. Twenty minutes to set up.
Then a ten-minute refresh each week as actuals come in.
Cash & revenue
Start date for week 1, cash in the bank today, current monthly revenue, and the growth rate you would defend to a lender.
Timing terms
COGS as a percentage of revenue, AR days, AP days. Use your actual averages, not your stated terms — the gap between the two is usually the whole story.
Recurring expenses
Eight lines with amount and frequency. Set payroll and payroll tax to bi-weekly if that is how they run; keep rent, insurance and debt service monthly.
Read the 13 weeks
Total inflows, total outflows, net cash flow, ending cash — and the lowest cash week. Start with that week and work backwards.
Honest qualification. No fluff.
This template is for you if:
- You are a new business, or launching a new project, and need a forward view of cash for the coming quarter.
- You want a fast, high-level 13-week cash flow picture — a ballpark, not a fully built forecast.
- You want to see your tightest week before you reach it, not on the day.
- You know your revenue, collection and payment terms, and recurring costs well enough to enter them.
This is not for you if:
- You need invoice-level AR aging — this models average AR days, not customer by customer.
- You need daily treasury, multi-bank sweeps, or intraday positioning.
- You need multi-entity consolidation or FX-aware forecasting.
- You are pre-revenue with no billing cycle — the burn rate calculator fits better.
- You only need to decide who to pay this Monday — that is a one-week question.
This is a high-level 13-week cash flow calculator. If you want a rolling forecast built and maintained from your bank statements and accounting software, call us and we'll set it up for you.
Questions about the template, answered honestly.
What format is the template?
Why does the forecast show no collections in the first few weeks?
Does it handle bi-weekly payroll?
Why 13 weeks instead of a monthly forecast?
Is this really free? Any catch?
What if I want this built and updated every week for my business?
Need a finance team maintaining this against actuals every week?
A 13-week forecast is only useful while it is current. EasePro's Cash Flow Management Services include the rolling forecast updated weekly against your bank and ledger, a weekly decision brief, working capital optimisation, and the lender-ready pack that comes out of it.
Founders from global advisory firms, supported by an in-house trained team of finance professionals. Big Four-grade depth with our own standards for accuracy and data security.