Excel · .xlsx, no macros · 7 sheets
Cash-Flow Forecast (13-week + 12-month)
Your bank balance, week by week for 13 weeks and month by month for a year, so the tight weeks show up before they arrive.
- Excel for Microsoft 365 Yes
- Excel for Mac (Microsoft 365) Yes
- Excel for the web Partly
- Excel 2021 Yes
- Full matrix
Dashboard
| W1 | W2 | W3 | W4 | W5 | W6 | |
|---|---|---|---|---|---|---|
| Closing | 38.5 | 41.2 | 33.9 | 29.7 | 35.1 | 22.8 |
| Minimum | 15.0 | 15.0 | 15.0 | 15.0 | 15.0 | 15.0 |
Blue = inputs you change. Black = formulas.
Data
| Input | Value |
|---|---|
| Opening balance | €38,450 |
| Minimum cash | €15,000 |
| Start date | Monday 2 Nov 2026 |
Assumptions sheet. Start: Monday 2 Nov 2026.
Read me
- 1Read me: What it is, six steps to use it, a guide to each tab, the colour code (mint cells are inputs, grey cells are formulas), the limits, the no-advice line, licence and support.
- 2Settings: The company's name, start date (a Monday), opening cash, currency label, the minimum cash you want to keep, and the customer collection days and supplier payment days that drive the 12-month view.
- 313-week: Week columns. Receipts by customer or category (six rows) and payments by category: payroll, social charges, suppliers, rent, VAT, loans, vans, software and insurance, other. Net flow, opening and closing cash, headroom over your minimum, and a "Below buffer" warning for any week that dips under it.
- 412-month: Month columns driven by your monthly figures: sales invoiced, supplier invoices, payroll, rent, taxes, capex, financing in and loan repayments. Collection and payment days delay the cash. Closing cash, a buffer warning, and a memo of what is uncollected or unpaid.
- 5.xlsx, no macros, no circular references, sheets unprotected. 13 weeks by week, 12 months by month. The sample company is a made-up joinery, Marlow & Pine.
Rendered from the template's own layout with made-up numbers for Marlow & Pine Joinery, a company that doesn't exist.
What it answers
- Which week does the balance get tight, and how tight?
- Can we pay payroll, VAT and the supplier run in the same week?
- What happens if our two biggest customers pay 30 days late?
- Where do we stand in twelve months if nothing changes?
- Did last week's forecast match what actually happened?
What's in the file
| Sheet | What it does |
|---|---|
| Read me | What it is, six steps to use it, a guide to each tab, the colour code (mint cells are inputs, grey cells are formulas), the limits, the no-advice line, licence and support. |
| Settings | The company's name, start date (a Monday), opening cash, currency label, the minimum cash you want to keep, and the customer collection days and supplier payment days that drive the 12-month view. |
| 13-week | Week columns. Receipts by customer or category (six rows) and payments by category: payroll, social charges, suppliers, rent, VAT, loans, vans, software and insurance, other. Net flow, opening and closing cash, headroom over your minimum, and a "Below buffer" warning for any week that dips under it. |
| 12-month | Month columns driven by your monthly figures: sales invoiced, supplier invoices, payroll, rent, taxes, capex, financing in and loan repayments. Collection and payment days delay the cash. Closing cash, a buffer warning, and a memo of what is uncollected or unpaid. |
| Weekly actuals | What really came in and went out each week, set against the 13-week forecast, with the variance and the actual closing cash. |
| Actuals vs forecast | The same comparison by month, on eight lines: forecast from the 12-month tab, actual typed in, variance, variance percentage and actual closing cash. |
| Summary | The lowest point and the week or month it hits, how many weeks and months fall below your buffer, and 12-month totals. Three charts: weekly closing cash against the buffer, month-end cash against the buffer, and cash in against cash out. |
| Format | .xlsx, no macros, no circular references, sheets unprotected. 13 weeks by week, 12 months by month. The sample company is a made-up joinery, Marlow & Pine. |
Plugging in your own data
Takes longest the first time, because you're writing down what you already carry in your head.
- 1
On Settings, set the start date (a Monday), today's bank balance, the minimum you want to keep, and your collection and payment days.
- 2
On 13-week, list expected receipts by customer and week: open invoices first, then what you expect to invoice. List payments the same way: payroll, rent, VAT, loan, suppliers, one-offs.
- 3
On 12-month, type the monthly figures. Put invoices dated before the start in the two Opening rows.
- 4
Check the collection and payment days on Settings; they decide when the 12-month cash actually moves.
- 5
Read the Summary.
- 6
Each Monday, type last week's real figures into Weekly actuals and each month the monthly actuals, then roll the start date forward.
What your data has to look like
| Column | What goes in it |
|---|---|
| Customer or category | row label, any text |
| Week 1 … Week 13 | amounts expected that week; leave empty where nothing moves |
Will it work on your machine?
| App and version | Works? | Notes | |
|---|---|---|---|
| Windows | |||
| Excel for Microsoft 365 | Yes | ||
| Excel 2021 | Yes | ||
| Excel 2019 | Yes | Excel 2019: fine. The formulas stick to SUMIFS, INDEX and MATCH, nothing that needs dynamic arrays. | |
| Excel 2016 | Partly | Excel 2016: should open and calculate. Some chart formatting may look different. | |
| Mac | |||
| Excel for Mac (Microsoft 365) | Yes | Excel for Mac (Microsoft 365): fine. Nothing in the file uses Power Pivot or macros, which is what usually breaks on a Mac. | |
| Browser | |||
| Excel for the web | Partly | Excel for the web: opens, calculates, slicers and drop-downs work. Editing gets slower in the bigger tabs. | |
- Excel 2019 and later.
Built for the versions marked ✓. We check every file before it goes on sale, but we haven't tried every setup. If something doesn't work in yours, tell us and we'll fix it or refund you.
No macros in any file. Nothing asks you to enable content.
What the licence lets you do
| What you can do | Single | Team |
|---|---|---|
| Who can use the file | You, one named person | Up to 10 named people in the same company |
| Use it in your own business or job | Yes | Yes |
| Send the outputs (charts, PDFs, slides) to anyone, clients included | Yes | Yes |
| Edit anything: formulas, colours, layout, logo | Yes | Yes |
| Pass the file itself to someone else | No | Only inside the team of 10 |
| Resell, upload, rebrand or publish it as a template | No | No |
| Price | €59 | €129 |
More than 10 people? Ask us at office@primedigitallabs.com. Both licences are a one-off price. Nothing renews.
Updates and help
- Bug fixes
- Bug fixes are free for as long as we sell this template. Get the newest version any time with your order number on the download page.
- Support
- Questions go to office@primedigitallabs.com. We usually reply within 2 working days.
- What support covers
- Support covers how the template works and anything that's broken. Rebuilding it around a different data structure is custom work, and we're happy to quote for that.
Probably not for you if
- You want it filled from your bank feed automatically. You type or paste, which keeps you honest.
- You need a full three-statement forecast with a balance sheet. The Startup 3-Statement Model does that.
- You're a personal budgeter. It'll work, but it's built around invoices, payroll and VAT.
Goes well with
- Sample data, fictionalSample data, fictionalSample data, fictional
Startup Finance Pack
Also in the Startup Finance Pack: 3 templates for €159 instead of €187.
Bundle · 3 files€159 - Sample data, fictional
Startup 3-Statement Model (5-year)
Linked P&L, balance sheet and cash flow over five years.
Excel · .xlsx, no macros11 sheetsWin YesMac YesWeb Partly€99
Questions people ask about this one
Why 13 weeks?
It's a quarter, which is about as far ahead as you can list real invoices and payments. Past that the 12-month view takes over, from monthly figures instead of line items.
Does the 12-month view build on the 13-week one?
No. They are two forecasts that start from the same opening cash. The 13-week view is typed line by line; the 12-month view is driven by your monthly figures and your collection and payment days.
Can I model a customer paying late?
Move their receipt to a later week on the 13-week tab and watch the Summary. For the 12-month view, change the customer collection days on Settings.
Does it handle VAT?
As a payment line. You enter the VAT you expect to pay and when. It doesn't calculate VAT returns.
Is this suitable for showing the bank?
You can send them the Summary as a PDF, like any output. Whether the bank wants it in that form is their call.