Free tool

13-week cash flow template that fills itself in from your numbers

Pick your industry and check seven numbers. You get a 13-week cash flow forecast filled in from them: customer receipts, supplier payments and operating costs week by week, the week cash is lowest, and the monthly profit and loss, balance sheet and cash flow it ties to. Download it as an Excel file with live formulas. No signup, no email.

Updated October 18, 2026

Build your report

1Your industry

2Your numbers

Prefilled with the figures of Marisol Coastal Group, the example restaurant group in our sample report. Replace each number with yours.

Revenue, last 12 months All sales, past 12 months.

Gross margin Sales minus food and drink costs, as % of sales.

Operating costs a month Everything else: office payroll, rent, insurance, software.

Cash in the bank today All operating accounts together.

Days customers take to pay Invoice to payment, on average (DSO).

Days you take to pay suppliers Their bill to your payment (DPO).

Seasonal swing Hospitality Busiest month vs an average one; peak in July.

Days stock sits before it sells Hospitality Buying stock to selling it (DIO).

No signup, no email. We don’t save the numbers you type.

How it is calculated

Twelve months, starting on the 1st of next month, from the cash you have today. Sales run at the pace of the last 12 months; for SaaS they grow by your monthly rate, for hospitality they follow your seasonal swing with the peak in July.
Profit and loss. Cost of sales = revenue × (100% − gross margin). Operating costs stay at the monthly figure you typed. Operating profit = gross profit − operating costs.
Balance sheet. Receivables = a month’s sales × days customers take to pay ÷ 30. Supplier payables = a month’s cost of sales × days you take to pay ÷ 30. Stock = a month’s cost of sales × stock days ÷ 30. Retainage = the share held back on the last six months of bills. Equity grows by each month’s operating profit.
Cash-flow statement. Operating profit, less the increase in receivables, retainage and stock, plus the increase in supplier payables. Cash at the end of each month is the balance-sheet cash.
13-week forecast. The first three months of the cash-flow statement, spread over weekdays: customer receipts and supplier payments evenly, operating costs 40% on the first weekday of the month and 30% each on the 15th and the last weekday (payroll). Week 13 ends on the last day of month three, on the same balance.
Not in your inputs, so not in the report: loans, equipment purchases, depreciation, income tax and owner draws. Add them in the Excel file.

Every figure is whole dollars, rounded once, and every total adds up the rounded lines — so the balance sheet balances to the dollar, the cash flow ends on the balance-sheet cash and week 13 ends on month three’s cash. The page checks all three under the report.

How to read your 13-week cash flow forecast

Cash at the start is the cash you typed; every later week starts where the week before ended.
Customer receipts and supplier payments come from the cash-flow statement’s first three months, spread over their weekdays.
Operating costs leave on three days a month — the first weekday, the 15th and the last weekday — so the weeks that hold them dip.
The low week is shaded in the table and marked on the chart: that is the week to plan for, not the end of the quarter.

Prefer to build it by hand?

This template fills the 13 weeks in from a few numbers, so every week of a month looks alike. A forecast you keep every Monday places each open invoice and bill on the week it is due. The 13-week cash flow forecast guide explains that direct method line by line and offers a blank Excel template; the QuickBooks Online version says which report feeds each line.

Questions

What is a 13-week cash flow forecast?

A week-by-week plan of the cash coming in and going out over the next quarter, from the cash in the bank today to the balance at the end of each week. Thirteen weeks is a quarter: long enough to see a payroll, a large supplier bill and a slow month coming, short enough to plan week by week.

How is the 13-week cash flow forecast built?

From the first three months of the cash-flow statement, spread over weekdays: customer receipts and supplier payments evenly, operating costs on the first weekday, the 15th and the last weekday of each month. Week 13 ends on the last day of month three, on the same cash balance as the statements.

Why does my cash dip in some weeks and not others?

Customer receipts and supplier payments are spread evenly over the weekdays, but operating costs leave in three lumps: 40% on the first weekday of the month and 30% each on the 15th and the last weekday, the way rent and payroll do. Weeks that hold one of those days dip.

Do you save the numbers I type?

No. There is no signup and no email field. The numbers are sent to our server only to build the page and the Excel file; they are not written to a database or a log, and they never appear in a web address. We count that a report was built and for which industry, never the figures.

What is in the Excel file?

The same statements month by month and the 13-week forecast, built with formulas from an Inputs sheet: change an input and every statement recalculates. A Checks sheet shows that the balance sheet balances, the direct and indirect cash flows agree and week 13 ends on the same cash as month three.

Is this my company's real financial report?

No. It is an estimate built from the numbers you type, with the rules listed under How it is calculated. Your real statements come from your books: connect your accounting system and Ataski's Financial Analyst builds them from your ledger every month.