Template · Finance
13-week cash flow forecast
Weekly receipts and disbursements for one quarter, with a revolver that draws and repays and a variance tab.
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XLSXCSVODSXMLNumbers| 13-week cash flow forecast | |||||||||||
| Example data — replace the blue input cells with your own. | |||||||||||
| Example distributor; all figures are fictional. Week-ending dates step forward seven days from week 1. | |||||||||||
| Week 1 ending date | Oct 16, 2026 | Lowest closing cash | $250,000 | ||||||||
| Opening cash balance | $310,000 | Ending cash (week 13) | $250,000 | ||||||||
| Minimum cash balance | $250,000 | Peak revolver balance | $116,238 | ||||||||
| Revolver limit | $500,000 | Ending revolver balance | $102,073 | ||||||||
| Revolver balance at start | $150,000 | Weeks below minimum cash | 0 | ||||||||
| Revolver interest rate (annual) | 8.25% | Net cash flow over 13 weeks | -12,073 | ||||||||
| Week | W1 | W2 | W3 | W4 | W5 | W6 | W7 | W8 | W9 | W10 | W11 |
| Week ending | Oct 16, 2026 | Oct 23, 2026 | Oct 30, 2026 | Nov 6, 2026 | Nov 13, 2026 | Nov 20, 2026 | Nov 27, 2026 | Dec 4, 2026 | Dec 11, 2026 | Dec 18, 2026 | Dec 25, 2026 |
| Receipts | |||||||||||
| Customer collections | 248,000 | 236,000 | 262,000 | 241,000 | 229,000 | 233,000 | 205,000 | 256,000 | 247,000 | 268,000 | 192,000 |
| Other receipts | 0 | 3,500 | 0 | 0 | 12,000 | 0 | 0 | 0 | 2,500 | 0 | 0 |
| Total receipts | 248,000 | 239,500 | 262,000 | 241,000 | 241,000 | 233,000 | 205,000 | 256,000 | 249,500 | 268,000 | 192,000 |
Showing the first 16 of 43 rows and 12 of 15 columns. Cells with formulas show the formula on hover.
| Forecast vs actual, weeks 1–4 | |||||||||||
| Enter actual results as each week closes. Variance = actual − forecast; for disbursements a negative variance is favorable. | |||||||||||
| Opening cash at the start of week 1 | 310,000 | ||||||||||
| Week | W1 | W2 | W3 | W4 | |||||||
| Week ending | Oct 16, 2026 | Oct 23, 2026 | Oct 30, 2026 | Nov 6, 2026 | |||||||
| Line item | Forecast | Actual | Variance | Forecast | Actual | Variance | Forecast | Actual | Variance | Forecast | Actual |
| Receipts | |||||||||||
| Customer collections | 248,000 | 241,350 | -6,650 | 236,000 | 244,800 | 8,800 | 262,000 | 255,600 | -6,400 | 241,000 | 236,900 |
| Other receipts | 0 | 0 | 0 | 3,500 | 3,500 | 0 | 0 | 0 | 0 | 0 | 1,200 |
| Total receipts | 248,000 | 241,350 | -6,650 | 239,500 | 248,300 | 8,800 | 262,000 | 255,600 | -6,400 | 241,000 | 238,100 |
| Disbursements | |||||||||||
| Payroll | 148,000 | 148,000 | 0 | 0 | 0 | 0 | 148,000 | 149,320 | 1,320 | 0 | 0 |
| Rent | 0 | 0 | 0 | 0 | 0 | 0 | 38,000 | 38,000 | 0 | 0 | 0 |
| Suppliers and inventory | 126,000 | 129,450 | 3,450 | 141,000 | 137,800 | -3,200 | 118,000 | 121,900 | 3,900 | 133,000 | 130,250 |
Showing the first 16 of 25 rows and 12 of 18 columns. Cells with formulas show the formula on hover.
| 13-week cash flow forecast |
| Notes: what this workbook does, how to use it and the method behind it. |
| What it does |
| A rolling weekly cash forecast for the next quarter: receipts and disbursements by week, opening and closing cash, a minimum cash check and a revolving credit facility that draws and repays automatically. A second tab compares forecast wit… |
| How to use it |
| 1. Enter the week 1 ending date, opening cash, minimum cash balance, revolver limit, revolver balance at the start and the revolver interest rate. |
| 2. Enter expected receipts and disbursements for each week in the blue cells. |
| 3. Check closing cash, the minimum cash check, the revolver balance and total liquidity for each week, and the summary block at the top. |
| 4. As weeks close, enter actual figures on the Variance tab and review the differences. |
| 5. Each week, roll the forecast forward: set the new week 1 ending date and update the weeks ahead. |
| Formulas and method |
| Week-ending dates: week 1 ending date, then the previous date + 7. |
| Net cash flow before revolver = total receipts − total disbursements. Revolver interest = opening revolver balance × annual rate ÷ 52. |
Showing the first 16 of 35 rows and 1 of 1 columns. Cells with formulas show the formula on hover.
What does this template do?
A rolling cash forecast for the next thirteen weeks. Receipts and disbursements are entered by week, and the sheet calculates opening and closing cash, net cash flow and a minimum cash check. When cash would fall below the minimum, a revolving credit line draws the gap up to its limit. When cash rises above the minimum, the line is repaid first.
The Forecast tab shows the revolver balance, the unused limit and total liquidity for every week, with a summary block that gives the lowest cash balance and the peak revolver draw. Revolver interest uses the opening balance, which avoids circular references.
The Variance tab compares forecast with actual results for the first four weeks as each week closes. The example is a fictional distributor, and its figures are invented for illustration. The sheet is a planning tool, not a financial statement.
What’s inside
- Thirteen weekly columns, with week-ending dates that step forward seven days
- Revolver draws to keep cash at the minimum and repays from surplus cash
- Minimum cash check and total liquidity that includes unused revolver capacity
- Cumulative receipts, disbursements and net cash flow
- Variance tab compares forecast with actuals for weeks 1 to 4
Which tabs does the workbook have?
| Tab | What it holds |
|---|---|
| Forecast | Thirteen weeks of receipts, disbursements, cash, revolver balance, liquidity and cumulative totals. |
| Variance | Forecast, actual and variance for weeks 1 to 4, with a favorable or unfavorable label. |
| Notes | Purpose, steps, formulas used, assumptions and limits. |
What formulas does this template use?
This template holds 498 formulas in 784 cells across 3 tabs, so 64% of its cells calculate. They use 5 distinct functions; the longest formula is 51 characters and 50 of them read from another tab.
| Function | Uses | What it does |
|---|---|---|
IF | 69 | one result when a test is true, another when false |
SUM | 56 | adds numbers |
MIN | 27 | smallest value |
MAX | 14 | largest value |
COUNTIF | 2 | counts cells meeting one condition |
Counted from the workbook itself. Only functions that Excel, LibreOffice Calc, Google Sheets and Apple Numbers evaluate the same way are used, so the formulas survive every download format.
How do you use it?
- Enter the week 1 ending date, opening cash, minimum cash balance, revolver limit, revolver balance and annual interest rate.
- Type expected receipts and disbursements for each week in the blue cells.
- Check closing cash, the minimum cash check and the revolver balance for each week.
- As each week closes, enter the actual figures on the Variance tab.
- Each week, roll the forecast forward by changing the week 1 date and the weeks ahead.
What is it good for?
- Watching payroll and rent timing against customer collections
- Sizing a revolving credit line before a seasonal peak
- Reporting weekly cash to a lender or a board
- Comparing each week's forecast with what actually happened
Questions about this sheet
How does the revolver work in this sheet?
If cash before the revolver is below the minimum, the revolver draws the shortfall up to the limit. If cash is above the minimum, surplus cash repays the revolver first.
Why is revolver interest based on the opening balance?
Using the opening balance for each week avoids a circular reference, in which interest depends on a draw that depends on the interest. The effect is small over a weekly period.
What happens when the revolver limit is reached?
Closing cash can fall below the minimum. The Forecast tab marks those weeks as Below minimum so you can act on them.
Does the sheet model daily timing?
No. Each amount lands in the week it is entered, so timing within a week is not shown.