This free 13-week cash flow forecast template tracks a UK small business’s bank balance week by week for the next quarter. Enter a start date, opening balance and the cash you expect in and out each week. It fills in week-ending dates and shows net cash flow and the closing balance for every week, so you see when money gets tight.
What is a 13-week cash flow forecast?
It is a rolling, short-term forecast built on weeks rather than months. Monthly forecasts can hide a problem: a month may end in credit while the balance dips below zero in the middle, when wages go out before customers pay. Looking week by week shows those dips.
What the template includes
- Week ending dates that fill in from the Week start date.
- Cash in: sales receipts, other income, loan proceeds and other cash in.
- Cash out: purchases / cost of sales, wages and salaries, rent and rates, utilities, VAT payments, loan repayments and other cash out.
- Totals: net cash flow and closing balance per week, a Total column, and tiles for total cash in, total cash out, net cash flow and the week 13 closing balance.
Tips for an accurate short-term forecast
- Enter cash when it hits or leaves the bank, not when you invoice or receive a bill.
- Mark the weeks when large payments fall: payroll, quarterly rent, VAT and loan repayments.
- Be cautious with receipts. If a customer usually pays late, forecast it late.
- Compare each week’s forecast with what happened. Consistent gaps show where your assumptions need work.
For a longer view, use the 12-month cash flow forecast template.
