13-Week Cash Flow Forecast Template
How it works and how to use the result
Enter your opening cash balance, expected monthly sales and expenses, today's receivables and payables, and your average collection and payment days. The tool spreads monthly figures into weeks, collects sales after your collection days and pays expenses after your payment days, and collects and pays opening balances evenly over those periods. Change one assumption, such as collection days, and you see the cash impact instantly.
It's deliberately simple. A full CFO forecast adds GST and BAS, PAYG, Payday Super, payroll tax, loan repayments and one-off items. CFOAvatar builds that automatically from your accounting software.
Frequently asked questions
Why 13 weeks?
It covers a full quarter, including a BAS cycle, while staying short enough to forecast accurately week by week.
What are average collection days?
Also called debtor days or DSO: on average, how many days after invoicing your customers pay. Your accounting software's aged receivables report shows it, or divide receivables by annual sales and multiply by 365.
What are average payable days?
Also called creditor days or DPO: how many days after receiving a bill you pay your suppliers. Divide payables by annual expenses and multiply by 365.
Can I download the forecast?
Yes. Click 'Download as CSV' to open it in Excel or Google Sheets.