Cashwatch™ keeps a live 13-week view, ages debtors and drafts chase emails. This template is the paper version for workshops, boards or a first pass before you automate. Alfred prepares. You decide.
What to include (tick before you fill numbers)
Reconciled opening bank balance across every account that pays the bills
Customer receipts you can defend (due invoices, known payment dates)
Supplier payments on real terms
Payroll, pensions and contractors on the weeks they leave
Tax: VAT, PAYE, corporation tax, payment plans
Rent, finance and subscriptions
One-offs: stock buys, deposits, refunds, planned drawings
Honest late-debtor timing (do not put hope in week 1)
Thirteen-week grid
Closing cash = opening + inflows − outflows. Carry each closing balance into the next week’s opening.
| Week | Opening | Inflows | Outflows | Closing | Notes (tax, payroll, big invoices) |
|---|---|---|---|---|---|
| Week 1 ending __/__/____ |
|||||
| Week 2 ending __/__/____ |
|||||
| Week 3 ending __/__/____ |
|||||
| Week 4 ending __/__/____ |
|||||
| Week 5 ending __/__/____ |
|||||
| Week 6 ending __/__/____ |
|||||
| Week 7 ending __/__/____ |
|||||
| Week 8 ending __/__/____ |
|||||
| Week 9 ending __/__/____ |
|||||
| Week 10 ending __/__/____ |
|||||
| Week 11 ending __/__/____ |
|||||
| Week 12 ending __/__/____ |
|||||
| Week 13 ending __/__/____ |
Lowest point
Actions if the trough is tight
Chase material overdue invoices (see How to chase unpaid invoices)
Delay non-essential spend until after the trough week
Talk to your accountant early about tax timing
Stress test: biggest debtor slips two weeks
General information only, not regulated financial advice. This template does not replace a live forecast or professional judgement. Nothing regulated should be submitted without a human approval from a qualified professional.
Full explainer: 13-week cash flow forecasting explained · Related: chase unpaid invoices, year-end checklist.