Free template: Weekly Cash Decision Calculator. Download free →
sales@ease.pro
Trusted by US SMBs, founders and CFOs

Free download

Weekly Cash Decision Calculator

Tell us where to send it. No spam — one email with your file.

I am a

We store your details to send the file and occasional finance resources.
🎁 Free Excel Template

Stop guessing every Friday. Decide every Monday.

A free Excel calculator that takes your bills, your customers, and your cash position — and gives you a clear weekly plan. Pay what must be paid. Chase the customers most likely to pay. Defer the rest. Built by experienced finance professionals.

📥 Get your free EasePro Calculator
  • Experienced finance professionals
  • Used by US small & mid-sized businesses
  • Excel format
  • No credit card required
  • Updated 2026
Step 4 — Your weekly plan
Must-pays (protected)
$11,500
Important bills you can cover
$5,900
Can-wait bills (delay candidates)
$1,000
Cash + likely collections − buffer
$12,000
Gap after must-pays + important
$5,400
PAY THIS WEEK

Pay all must-pays in full: $11,500. Pay what you can of important bills (room: $500).

COLLECT FIRST

Call your 3 “Maybe” customers TODAY (worth $5,000). Converting half closes most of your gap.

DELAY / NEGOTIATE

Defer all $1,000 of can-wait bills. Email vendors today asking for 14–30 day extension.

PROTECT (safety net)

Gap of $5,400 exceeds your LOC ($5,000). Talk to the bank TODAY and defer $400 of bills.

What's inside the file

An Excel file with three sheets and one job: tell you what to do this week.

Three tabs you can open, edit, and run in fifteen minutes.

Cover sheet

Entity name field and the file's usage notes. Open it once, read it once, you're done.

Instruction sheet

Color legend explaining input cells (yellow with blue text) and output cells (light blue, calculated). A quick reference, not a manual.

Cash Decision sheet

The actual calculator. Five inputs in, four-action plan out. Updates automatically as you type. Built in plain Excel — no macros, no add-ins, no setup.

Inside the calculator

Five fields. Three categories. One plan.

Bills go into MUST-PAY (payroll, taxes, rent, debt service), IMPORTANT (key suppliers, utilities), or CAN WAIT (subscriptions, agencies). Customers go in with an honest “likely to pay this week” flag. Yellow cells are the only ones you ever edit.

Screenshot of the Cash Decision sheet's input section — Step 2 (bills due this week, organised into MUST-PAY, IMPORTANT, and CAN WAIT categories with example amounts) and the start of Step 3 (customers who owe you).
The Cash Decision sheet: enter bills by category, flag each customer — the plan updates as you type.
Founder walkthrough

Watch us run the template in 5 minutes.

A live walkthrough from one of our founders: how to fill in your cash position, list your bills the right way, flag your customers honestly, and read your weekly plan.

The problem this solves

Friday afternoon. Three vendors are calling. Payroll is on Monday.

Most US small business owners make the same set of cash decisions every single week — which vendor to pay, which customer to chase, what to defer, when to draw on the line of credit — and they make them under pressure on Friday afternoon, with incomplete information, in their head.

A weekly cash decision routine fixes this. The point of this template is not to forecast the next quarter. It is to take the decisions you are already making and put structure around them so they take fifteen minutes on Monday morning instead of two hours of stress on Friday.

How to use it

Four steps. Fifteen minutes a week.

A Monday-morning routine, not a setup project.

1

Cash position

Type in three numbers: cash in bank, the minimum buffer you want to keep, and your line of credit (or zero if none).

2

Bills due this week

Pick MUST-PAY, IMPORTANT, or CAN WAIT for each bill. The template recommends what to do with each one based on your cash.

3

Customers who owe you

Mark each one Yes / Maybe / No against “likely to pay this week”. Be honest — Maybe customers are exactly who to call first.

4

Read your plan

Four colored boxes: PAY this week, COLLECT first, DELAY / NEGOTIATE, PROTECT (safety net). Updates automatically as you change inputs.

Is this for you?

Honest qualification. No fluff.

This template is for you if:

  • You are an early-stage business, a small business, or a household looking for a simple, easy-to-update, easy-to-understand cash calculator.
  • You make payment and collection decisions week to week and want a clear plan.
  • You have ever asked yourself “which vendor do I pay first this week?”.
  • You want a Monday-morning routine, not a real-time dashboard.
  • You are looking for a structured starting point, not a custom-built system.

This is not for you if:

  • You already have a 13-week cash flow model and a CFO running it.
  • You need multi-entity consolidation or FX-aware modeling.
  • You want fully automated bank-feed integration (this is a manual weekly routine).

This is a high-level calculator, built to be simple to update and understand. If you need something linked directly to your accounting software, we can build a custom model — book a call.

Frequently Asked

Questions about the template, answered honestly.

What format is the template?
It is a Microsoft Excel (.xlsx) file with three sheets: Cover, Instruction, and Cash Decision. It opens in Excel, Google Sheets (with import), and most spreadsheet tools.
What size business is the template for?
Any size — it is a high-level tool built to be simple. It suits early-stage businesses, small businesses, and even households that face weekly cash decisions and want an easy-to-update, easy-to-understand plan. Larger businesses with finance teams will find it too simple, and anyone who wants it linked to their accounting software should book a call for a custom model — or see Cash Flow Management Services.
Do I need accounting software to use it?
No. You only need your current bank balance, your bills due this week, and a list of customers who owe you money. You can pull these from QuickBooks, Xero, or even from invoices and bank statements.
Is this really free? Any catch?
Yes, free. We ask for your email so we can send the file and follow up if you have questions. No credit card. No upsell sequence. You can unsubscribe at any time.
What if I want help building or running this for my business?
EasePro's Cash Flow Management Services include this exact decision brief, run weekly by our team of experienced finance professionals, plus a 13-week rolling forecast.
How is this different from a 13-week cash flow forecast?
This template solves a single week. A 13-week forecast looks across the next quarter and shows where pressure points appear before they arrive. Most clients use the weekly template first, then graduate to the 13-week model once their cash routine is in place.

Need a finance team to build, run, and update this for you every week?

Most clients use the template for two weeks, then ask us to take it over. EasePro's Cash Flow Management Services include the weekly decision brief, a 13-week rolling forecast, and working capital optimisation.

See Cash Flow Management Services → Book a free 30-min call →

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.