Expected plan
Cash stays above your $15,000 cushion for all 13 weeks.
The lowest estimated balance is $27,500 in Week 8.
Extra starting cash needed to protect the cushion$0
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13-Week Cash Planner
See whether your business can pay its bills and keep a cash cushion.
Enter the cash you have now, the money you expect to receive, and the payments you expect to make. The tool estimates how much cash will remain each week.
Your financial entries stay in this browser and are not sent to us.
What this tool answers
After money comes in and bills are paid, how much cash will be left each week?
Example numbers are already loaded. Replace them with your own, one week at a time. This is an estimate and does not connect to your bank.
Expected plan uses the weekly numbers you enter. Lower money in reduces customer payments by 15% while every bill stays the same.
Business cash available nowCash in business accounts that is available to pay bills$
Cash you want to keep untouchedYour safety cushion. The tool warns you if cash falls below it$
Test a drop in customer paymentsExample: 10% turns $10,000 into $9,000. Bills stay the same%
If customer payments are 15% lower
There may not be enough cash for planned payments in Week 12.
The lowest estimated balance is -$2,350 in Week 12.
Extra starting cash needed to protect the cushion$17,350
Expected cashCash if customer payments are 15% lowerYour cash cushion ($15.0k)
Week cards below show the detailed amounts.
Cushion protectedBills covered, cushion usedNot enough cash
Enter one week at a time
Each week’s ending balance carries into the next week. Weekly cards below show the expected plan.Choose a week and enter the money you expect to receive and pay.
Week 1 · Expected plan
Cash at start of week$35,000
Estimated cash after this week$38,500
Cash at start$35,000
+Money received$18,000
−Payments made$14,500
=Cash left$38,500
Save time entering repeated paymentsShortcuts change the planner only after you tap them.
Customer money receivedMoney expected in the bank this week, not unpaid sales$
Employee and contractor payPaychecks, payroll costs, and contractor payments$
Supplier and inventory paymentsProducts, materials, and other supplier bills$
Rent and regular billsRent, utilities, insurance, software, and other recurring bills$
Tax paymentsTaxes due this week$
Loan and credit-card paymentsDebt payments due this week$
Owner withdrawals and one-time purchasesEquipment, owner draws, and unusual payments$
Your next useful step
Review this result with GeorgThe estimate shows when cash may get tight, not what should change.
Georg can check the timing, assumptions, and tradeoffs before building a practical cash plan for the business.
Likely service fit: Cash & Decision Planning, starts at $1,500 / month.