Weekly cash forecast
13 weeks of money in, money out and ending balance, with shortfall and reserve warnings.
13-week cash flow template
13-week cash flow forecast template for Excel and Google Sheets
A 13-week cash flow forecast shows your bank balance for every week of the next quarter, so you can see a cash crunch weeks before it reaches payroll. Cash Command OS is a ready-built version for owners of service businesses.
Why 13 weeks
Long enough to cover payroll and billing cycles. Short enough to stay accurate.
A monthly P&L can say the business is profitable while the bank account dips below payroll for two weeks in the middle of the month. A 13-week view shows the timing: which week cash is lowest, and which invoices it depends on.
Thirteen weeks is one quarter. Most service businesses can estimate client payments and bills that far out with reasonable confidence, which is why lenders, turnaround advisors and finance teams use the 13-week format.
Starting cash$20,850
+ Money in this week+$6,500
− Money out this week−$7,650
Ending cash$19,700
One week of the fictional demo agency. Repeat for 13 weeks and the low point becomes obvious.
What's in the template
More than a blank grid
Cash Command OS Complete is built around the questions owners actually ask: will we make payroll, what if this client pays late, can we afford a hire.
Receivables and payables
Track open invoices and bills by expected week, so a late client shows up in the forecast immediately.
Decision tools
Test a new hire, a lost client, a late payer or a major purchase before you commit cash.
What-if scenarios
Compare a scenario against your current plan side by side.
Forecast vs actual
Check last week's projection against the real balance, with a bank reconciliation check.
12-month outlook
Runway and reserve planning beyond the quarter, plus a sample agency and weekly checklists.
Who it's for
Built for businesses where clients pay on terms
Agencies and studios
Retainers plus project invoices on net-30 or longer, with payroll every two weeks.
Consultancies and professional services
Lumpy milestone billing and a team that gets paid whether clients pay on time or not.
Project-based firms
Large invoices that arrive on a different schedule than the costs of delivering the work.
Common questions
What is a 13-week cash flow forecast?
A week-by-week projection of cash coming in and going out over the next 13 weeks (one quarter). Each week starts with the previous week's ending balance, adds expected receipts and subtracts expected payments.
Does the template work in Google Sheets?
Yes. Cash Command OS Complete is delivered as a workbook that works in Microsoft Excel and in Google Sheets with a free Google account.
How is this different from a free template?
Free templates give you a blank grid. Cash Command OS adds a reserve floor, low-point warnings, receivables tracking, what-if decision tools for hires, lost clients and late payers, forecast vs actual checks, a sample agency and a weekly routine.
Is it a subscription?
No. It is a one-time $199 founding price, with a 30-day refund if it isn't useful.
See your own 13 weeks
Cash Command OS Complete is a ready-to-use workbook for Excel and Google Sheets with a sample agency, decision tools and a weekly routine. $199 one-time, 30-day refund.