Flow — 13-week cash flow forecast

13-week cash flow
Weeks across, cash in and out down. Opening, totals, net and closing are calculated; every cell is the sum of the Items dated in that week.
Minimum cash	10,000														Lowest closing	7,730
Week	14 Sep	21 Sep	28 Sep	5 Oct	12 Oct	19 Oct	26 Oct	2 Nov	9 Nov	16 Nov	23 Nov	30 Nov	7 Dec	13 weeks	in the week of	7 Dec
Opening balance	18,500	21,750	18,690	20,940	18,840	21,540	13,680	12,580	16,480	21,880	14,680	12,730	18,530		Weeks below minimum	1
Cash in															Weeks below zero	0
Sales receipts	8,300	6,800	5,900	2,000	9,500	2,000	2,000	2,100	7,300	2,200	2,400	9,000	2,800	62,300	Total in, 13 weeks	67,300
Other income								5,000						5,000	Total out, 13 weeks	78,070
Total in	8,300	6,800	5,900	2,000	9,500	2,000	2,000	7,100	7,300	2,200	2,400	9,000	2,800	67,300	Closing, week 13	7,730
Cash out
Payroll		9,400				9,400				9,400			9,400	37,600
Rent	3,200			3,200				3,200				3,200		12,800
Suppliers	1,850		2,400	900			1,850				3,100			10,100
Tax and VAT					6,800								4,200	11,000
Loan repayments			1,250				1,250				1,250			3,750
Other		460				460			1,900					2,820
Total out	5,050	9,860	3,650	4,100	6,800	9,860	3,100	3,200	1,900	9,400	4,350	3,200	13,600	78,070
Net	3,250	-3,060	2,250	-2,100	2,700	-7,860	-1,100	3,900	5,400	-7,200	-1,950	5,800	-10,800	-10,770
Closing balance	21,750	18,690	20,940	18,840	21,540	13,680	12,580	16,480	21,880	14,680	12,730	18,530	7,730
vs minimum	11,750	8,690	10,940	8,840	11,540	3,680	2,580	6,480	11,880	4,680	2,730	8,530	-2,270

Opening balance of week 1 is the cash in the bank on that Monday; every later week opens with the previous closing.
Closing turns red when it dips below 'Minimum cash' — the buffer you don't want to touch — and bold red below zero.
Type what you expect to receive and pay in the week it will actually hit the bank, not when it's invoiced.
Cells come from Items: one row per expected receipt or payment, dated. Change a date there and the money moves weeks.

Expected receipts and payments
One row each, dated by when it hits the bank. The Forecast sums them by week and line; Weeks compares expected with what has actually landed.
								Items	41
								Past due, not received	4,800
								Past due, not paid
								Outside the 13 weeks	0
Date	Description	Line	Amount	Status	Note	Week	In / out
15 Sep	Invoice 1041 — Northwind	Sales receipts	6,200	Received		1	in
17 Sep	Card takings, week	Sales receipts	2,100	Received		1	in
18 Sep	Rent, September	Rent	3,200	Paid		1	out
18 Sep	Supplier — Lumen Packaging	Suppliers	1,850	Paid		1	out
21 Sep	Invoice 1043 — Fathom	Sales receipts	4,800	Expected		2	in
24 Sep	Card takings, week	Sales receipts	2,000	Received		2	in
25 Sep	Payroll, September	Payroll	9,400	Paid		2	out
22 Sep	Software subscriptions	Other	460	Paid		2	out
30 Sep	Invoice 1044 — Cadence	Sales receipts	3,900	Confirmed		3	in
1 Oct	Card takings, week	Sales receipts	2,000	Expected		3	in
2 Oct	Supplier — Bright Print	Suppliers	2,400	Expected		3	out
28 Sep	Loan repayment	Loan repayments	1,250	Expected		3	out
8 Oct	Card takings, week	Sales receipts	2,000	Expected		4	in
6 Oct	Rent, October	Rent	3,200	Expected		4	out
9 Oct	Supplier — Northwind Paper	Suppliers	900	Expected		4	out
15 Oct	Card takings, week	Sales receipts	2,000	Expected		5	in
14 Oct	Invoice 1046 — Harbour	Sales receipts	7,500	Expected		5	in
16 Oct	VAT quarter	Tax and VAT	6,800	Expected		5	out
22 Oct	Card takings, week	Sales receipts	2,000	Expected		6	in
23 Oct	Payroll, October	Payroll	9,400	Expected		6	out
20 Oct	Software subscriptions	Other	460	Expected		6	out
29 Oct	Card takings, week	Sales receipts	2,000	Expected		7	in
26 Oct	Loan repayment	Loan repayments	1,250	Expected		7	out
28 Oct	Supplier — Lumen Packaging	Suppliers	1,850	Expected		7	out
5 Nov	Card takings, week	Sales receipts	2,100	Expected		8	in
3 Nov	Rent, November	Rent	3,200	Expected		8	out
4 Nov	Grant instalment	Other income	5,000	Confirmed		8	in
12 Nov	Card takings, week	Sales receipts	2,100	Expected		9	in
11 Nov	Invoice 1049 — Fathom	Sales receipts	5,200	Expected		9	in
13 Nov	Insurance, annual	Other	1,900	Expected		9	out
19 Nov	Card takings, week	Sales receipts	2,200	Expected		10	in
20 Nov	Payroll, November	Payroll	9,400	Expected		10	out
26 Nov	Card takings, week	Sales receipts	2,400	Expected		11	in
23 Nov	Loan repayment	Loan repayments	1,250	Expected		11	out
25 Nov	Supplier — Bright Print	Suppliers	3,100	Expected		11	out
3 Dec	Card takings, week	Sales receipts	2,600	Expected		12	in
1 Dec	Rent, December	Rent	3,200	Expected		12	out
2 Dec	Invoice 1052 — Northwind	Sales receipts	6,400	Expected		12	in

Expected vs actual, by week
For each week: what was expected in and out, what has been received and paid, and what's still open.

Week	Starts	Expected in	Received	Still expected	Expected out	Paid	Still to pay	Closing (forecast)
1	14 Sep	8,300	8,300		5,050	5,050		21,750
2	21 Sep	6,800	2,000	4,800	9,860	9,860		18,690
3	28 Sep	5,900		5,900	3,650		3,650	20,940
4	5 Oct	2,000		2,000	4,100		4,100	18,840
5	12 Oct	9,500		9,500	6,800		6,800	21,540
6	19 Oct	2,000		2,000	9,860		9,860	13,680
7	26 Oct	2,000		2,000	3,100		3,100	12,580
8	2 Nov	7,100		7,100	3,200		3,200	16,480
9	9 Nov	7,300		7,300	1,900		1,900	21,880
10	16 Nov	2,200		2,200	9,400		9,400	14,680
11	23 Nov	2,400		2,400	4,350		4,350	12,730
12	30 Nov	9,000		9,000	3,200		3,200	18,530
13	7 Dec	2,800		2,800	13,600		13,600	7,730
13 weeks		67,300	10,300	57,000	78,070	14,910	63,160

Weeks that have fully passed are greyed; 'still expected' in a past week is money that should have arrived — red.

Setup
The as-of date, the first week, the opening balance and the buffer; the lines.
As of	2026-09-28	Type =TODAY() to keep it live
Week 1 starts	14 Sep	A Monday. Move it forward each week to roll the forecast.
Opening balance	18,500	Cash in the bank at the start of week 1
Minimum cash	10,000


Cash in lines		Cash out lines	Statuses	Lines (for the dropdown)
Sales receipts		Payroll	Expected	Sales receipts
Other income		Rent	Confirmed	Other income
		Suppliers	Received
		Tax and VAT	Paid
		Loan repayments		Payroll
		Other		Rent
				Suppliers
				Tax and VAT
				Loan repayments
				Other



The Forecast has two cash-in lines and six cash-out lines — rename them here and on the Forecast together. The dropdown list on Items is built from both.

How the formulas work
Every formula in this workbook, in plain words. Nothing is hidden and nothing needs a macro. Formulas are shown without the leading = sign.

Where	Formula	What it does
Forecast · a line cell	SUMIFS(Items!$D$8:$D$307,Items!$C$8:$C$307,$A7,Items!$A$8:$A$307,">="&B$4,Items!$A$8:$A$307,"<"&B$4+7)	Items on this line dated from the week's Monday up to (not including) the next Monday.
Forecast · Opening	B19	Each week opens with the previous week's closing; week 1 opens with the balance on Setup.
Forecast · Closing	B5+B18	Opening plus net (total in − total out).
Forecast · in the week of	INDEX(B4:N4,MATCH(MIN(B19:N19),B19:N19,0))	The week whose closing is the lowest — the date you need to get past.
Items · Week	INT((A8-Setup!$B$4)/7)+1	Days since the first Monday, divided by 7, floored: week 1, 2, … A number outside 1–13 is off the forecast.
Items · In / out	IF(COUNTIF(ins,C8)>0,"in",IF(COUNTIF(outs,C8)>0,"out","?"))	Which list the line belongs to; '?' if the name matches neither.
Items · Past due, not received	SUMIFS(D8:D307,H8:H307,"in",A8:A307,"<"&Setup!B3,E8:E307,"Expected")+SUMIFS(…,"Confirmed")	Cash-in items dated before 'as of' that are still Expected or Confirmed — two SUMIFS added, the portable OR.
Weeks · Received	SUMIFS(Items!$D$8:$D$307,Items!$G$8:$G$307,A5,Items!$H$8:$H$307,"in",Items!$E$8:$E$307,"Received")	Items in that week number, cash in, status Received.