FREE WORKBOOK
13 Week Cash Flow Forecast
Weekly receipts and payments for a company with payroll, PAYE, VAT quarters and a facility, with a rolling actual-against-forecast row at the bottom.
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Who this workbook is for
Anyone who only knows the month-end balance
Month ends are the calmest days in the cash cycle, which is why they look fine. The low point lives between them, where payroll, the PAYE run, the VAT quarter and the rent land on their own days. On the demo book a healthy £190,000 start still dips to £213,000 against a much bigger receipts-and-payments swing in week eight, and the sheet names your low week the same way.
Anyone counting on new sales to fix a cash problem
The forecast respects the collection lag: the first seven weeks collect the opening debtor book, and invoices raised this quarter only become cash from week eight. Revenue you win today cannot rescue a week-six problem, and seeing that plainly is exactly what changes behaviour.
Anyone who wants the discipline, not just the spreadsheet
Each Friday the real bank balance goes on the actuals row and the variance shows while it is one week old and small. A variance you understand within a week is management; the same variance found at month end is archaeology. Headroom is tracked with the undrawn facility, and weeks below your buffer are flagged.
