Cash Flow Forecast Pro — 13-Week & 12-Month Cash Flow Spreadsheet

Know how much cash your business could have in the weeks and months ahead.

Cash Flow Forecast Pro is a cash flow planning spreadsheet designed to help small business owners forecast incoming cash, plan outgoing payments, identify potential shortfalls and compare projected results with actual performance.

Instead of relying only on your current bank balance, build a forward-looking picture of your cash position with a rolling 13-week forecast, a 12-month outlook, scenario planning and built-in line-of-credit calculations.

Compatible with Microsoft Excel and Google Sheets.

📊 INTERACTIVE CASH FLOW DASHBOARD

Get a consolidated view of your projected business finances.

The dashboard includes 12 key performance indicators:

• Cash balance today
• Projected cash in 13 weeks
• Lowest projected cash balance
• Weeks below your safety buffer
• Cash runway
• Peak line-of-credit usage
• Cash inflows
• Cash outflows
• Net cash flow
• Outstanding receivables
• Bills due
• Available cash plus credit

Additional dashboard features include:

• 13-week ending cash forecast against your safety buffer
• Cash inflow and outflow visualization
• Expense breakdown by category
• 12-month cash outlook
• Alerts for overdue invoices
• Bills due within 14 days
• Weeks when projected cash falls below your buffer

📅 13-WEEK CASH FLOW FORECAST

Plan your cash position week by week.

• Project incoming and outgoing cash.
• Monitor ending cash balances.
• Identify potential shortfall weeks.
• Compare projected cash with your safety buffer.
• Review upcoming receivables and payables.
• Plan ahead instead of reacting to a low balance.

The rolling 13-week view is useful for routine cash management, business planning and preparing cash forecasts for discussions with lenders.

📈 12-MONTH CASH FLOW PROJECTION

See the bigger picture with a monthly forecast for the year ahead.

• Review projected ending cash by month.
• Track monthly net cash flow.
• Include recurring business income and expenses.
• Understand how upcoming commitments may affect liquidity.
• Compare longer-term cash trends with your short-term forecast.

🔁 AUTOMATED RECURRING CASH FLOWS

Enter regular income and expenses, including:

• Rent
• Payroll
• Loan payments
• Subscriptions
• Regular sales
• Other recurring receipts and payments

Supported recurrence options include weekly, biweekly, monthly, quarterly and yearly schedules.

Recurring entries are distributed into the appropriate forecast periods according to the template’s calculations.

🧾 RECEIVABLES AND PAYABLES

Keep expected cash collections and upcoming obligations organized.

Receivables

• Record expected customer payments.
• Track invoice due dates.
• Monitor days overdue.
• Review outstanding amounts.

Payables

• Record upcoming bills.
• Track payment due dates.
• Identify obligations due within the next 14 days.
• Include planned payments in your forecast.

🏦 BUILT-IN LINE-OF-CREDIT PLANNING

Model how a line of credit could support your projected cash position.

Enter your credit limit and interest rate in the settings.

The template calculates projected draws when cash falls below the configured safety buffer, incorporates interest and models repayment as cash recovers, according to the spreadsheet’s assumptions.

Use this feature to explore potential funding needs before a shortfall occurs. Actual lending availability, interest and repayment terms depend on your lender.

🔄 FORECAST VS ACTUAL TRACKING

A forecast becomes more useful when you compare it with what really happened.

Use the Actuals tab to record actual cash received and paid. The Forecast vs Actual tab helps you review variances by week.

This makes it easier to identify differences between planned and actual cash flows and refine future forecasts.

🎯 SCENARIO PLANNING

Compare three possible business situations:

• Base case
• Best case
• Worst case

Review each scenario’s projected low point and the number of weeks below your cash safety buffer.

Scenario planning can help you explore how changes in income, expenses and other assumptions may affect your cash position.

📂 ALL 12 TABS INCLUDED

1. Start Here — Quick-start instructions and clickable navigation.

2. Dashboard — Key indicators, cash flow charts and alerts.

3. 13-Week Forecast — Rolling weekly cash projection.

4. 12-Month Forecast — Monthly cash flow outlook.

5. Recurring — Scheduled recurring income and expenses.

6. Receivables — Expected customer collections and overdue invoices.

7. Payables — Upcoming bills and payment obligations.

8. Actuals — Record actual incoming and outgoing cash.

9. Forecast vs Actual — Compare planned and actual results by week.

10. Scenarios — Base, best-case and worst-case projections.

11. Settings — Opening cash, safety buffer, credit limit, interest rate and scenario factors.

12. Calculations — Hidden calculation sheet supporting the template.

📦 WHAT YOU GET

Your digital download includes:

• Cash-Flow-Forecast-Pro.xlsx — Cash flow forecasting spreadsheet with sample data
• 6-page PDF setup guide — Instructions to help you get started

The sample data lets you explore the template before clearing the examples and entering your own business information.

👥 WHO IS THIS FOR?

Ideal for:

• Small business owners
• Contractors and tradespeople
• Consultants and freelancers
• Marketing and creative agencies
• Restaurants and retailers
• Service businesses
• Bookkeepers
• Fractional CFOs
• Business owners preparing forecasts for lenders

Whether you manage a growing service business or want a clearer view of upcoming cash commitments, this spreadsheet can help organize your cash flow planning.

💻 COMPATIBILITY

Designed for:

• Microsoft Excel 2016 and newer
• Microsoft 365
• Excel for Mac
• Google Sheets

For Google Sheets, upload the spreadsheet to Google Drive and open it using Google Sheets.

Apple Numbers is not supported.

🚀 HOW IT WORKS

1. Purchase and download the spreadsheet and setup guide.
2. Open the workbook in Excel or Google Sheets.
3. Review the sample data and setup instructions.
4. Enter your opening cash balance and safety buffer.
5. Add your expected income, bills and recurring transactions.
6. Review your forecast, scenarios and dashboard alerts.
7. Record actual results and compare them with your forecast.

⚠️ IMPORTANT INFORMATION

• This is a digital download. No physical product will be shipped.
• The spreadsheet is a planning tool, not financial, accounting or tax advice.
• Forecasts depend on the accuracy of your entries and assumptions.
• Line-of-credit calculations are estimates and do not guarantee financing or credit availability.
• Verify calculations and compatibility in your chosen spreadsheet application before relying on the results for business decisions.
• No macros, add-ins or separate spreadsheet subscription are required for the template itself.
• For personal or single-business use. Reselling or redistributing the file is not permitted.

Plan ahead. Identify potential cash shortfalls earlier. Make more informed business decisions with Cash Flow Forecast Pro.