Free 12-week cash flow forecast template
For contractors and small businesses that do the work first and get paid 30 to 90 days later. It shows which week you run short, and how much is actually safe to spend.
Free. No signup. It comes filled with an example business so you can see it work before you add your own numbers. Rather not use a spreadsheet? Try the free web version.
What it does that most cash flow templates don't.
Plans for when money actually lands
Each invoice gets an expected paid date: invoice date + payment terms + how late that client usually pays. Slow payers are planned for instead of being a surprise.
Sets money aside for lumpy costs
Insurance, quarterly taxes, annual renewals, truck repairs. It puts a little aside every week, so the big bill is covered when it arrives.
Shows what's safe to spend
Part of your bank balance is already spoken for. The template shows your lowest point in the next 12 weeks, minus your safety buffer.
How to use it.
- 01Copy it to Google Sheets, or download it for Excel.
- 02Replace the example business with your own numbers. The cells with blue text on a yellow background are the ones you change. Everything else calculates.
- 03Every Monday, update your bank balance and mark the invoices that got paid. Week 1 moves forward on its own.
New to weekly cash forecasting? Read the guide: How to forecast cash flow when clients pay 30 to 90 days later.
Need a 12-month version for a lender or a business plan? Get the free 12-month template.
Running several jobs at once?
There's a Pro version built around jobs. Enter each job once, and it dates every deposit, progress and final payment, works out how late each client usually pays from past payments, and shows what happens if every client pays two weeks late. $17, one time.
Rather not keep a spreadsheet?
Use Runway in your browser: the same 12-week forecast, no spreadsheet needed. It's free and needs no signup. We're also building a paid version that saves your numbers on any device and emails you every Monday. Join the early list and you'll hear from us when it's ready, with 50% off the first year.
The template is a planning tool, not financial, tax or legal advice. Check important decisions with your accountant.