For small business owners · 1 workbook
See your bank balance for each of the next 13 weeks.
Enter opening cash, a minimum buffer and the cash you expect in and out each week. The Dashboard shows your lowest closing cash, the week it happens, and a WATCH alert naming the first week below your buffer.
Checkout and instant download on Etsy (Etsy may add sales tax or VAT). 14-day file guarantee.
- For Microsoft Excel & Google Sheets
- No macros, no add-ins
- Built by a CFO with 20+ years of experience
What it does for you
13-Week Cash Flow Forecast, in plain terms.
Will payroll clear in week 7?
Every week’s closing cash is checked against your buffer. If one dips below it, the status switches from OK to WATCH and names the week.
The weekly cash meeting in one file
6 cash-in and 9 cash-out lines: customer receipts, payroll and contractors, suppliers, rent, taxes, loan payments, equipment and more.
Plan vs what really happened
Type each week’s real numbers on Actuals and see forecast vs actual with the variance.
Runway and two charts
Week-13 cash, average weekly net, runway in weeks, closing cash chart and weekly net chart. A Checks tab says OK or ERROR.
Inside the file
See the actual tabs.
Every image is drawn from the workbook itself with its fictional sample data. Select an image to open it full size.
What's included
1 .xlsx file (7 tabs).
- UYNOS_
13-Week_ Start here, Settings, Forecast, Actuals, Dashboard, Checks, Read Me.Cash_ Flow_ Forecast_ v1.2.xlsx - Fictional sample dataSo you can see it working before you type your own numbers.
Settings holds opening cash, the start date (Monday of week 1) and the minimum cash buffer. You can change the currency symbol; amounts are not converted.
How it works
Three steps.
Download the file from your Etsy account (Purchases) and open the Start here tab.
Type your own numbers in the input cells (colour-coded; the legend is on the Start here and Read Me tabs). Formula cells calculate everything else.
Read the Dashboard. If Checks says ERROR, the Checks tab tells you what to fix.
Compatibility
What we checked, and what we have not.
Recalculated and checked in Google Sheets and LibreOffice Calc, with the results compared against a separate calculation.
| Microsoft Excel 2016+ / Microsoft 365 | BUILT FOR Standard functions only. Not yet opened in Excel (desktop, Mac or online) by us; covered by the 14-day file guarantee. |
|---|---|
| Google Sheets | CHECKED Uploaded and recalculated; results matched. |
| LibreOffice Calc | CHECKED Full recalculation; results matched a separate calculation. |
| Apple Numbers | NOT TESTED |
| Macros, add-ins, external links | NONE |
| Phone | Fine for viewing; data entry is easier on a computer. |
Honest limits
What it is not.
- Not tax, legal, investment or accounting advice. It is a planning tool: you type the numbers and it does the arithmetic.
- Not connected to your bank, QuickBooks or any other software. It does not convert currencies.
- Not a physical product. Nothing is shipped.
Is it only for contractors?
No. It works for any small business that wants a weekly cash view. Contractors may prefer the Contractor pack, which includes this same file plus a job costing & WIP workbook.
How often should I update it?
Weekly works well: type last week’s actuals and roll your expectations forward.
Can I use my own currency?
Yes. Change the currency symbol on Settings. Numbers are not converted.
Will it work in Microsoft Excel?
It is built for Excel 2016 or later and Microsoft 365, using standard worksheet functions only (no macros, add-ins, external links or passwords). Our own testing so far was done outside Excel (see Compatibility above). If anything does not work in your Excel, the 14-day file guarantee applies.
How do I use it in Google Sheets?
Upload the .xlsx to Google Drive and open it with Google Sheets (or File > Import). Chart styling can look slightly different from Excel.
How do I get the file?
You buy on Etsy and download the .xlsx from your Etsy account (Purchases). It is a digital file; nothing is shipped.
What is the refund policy?
If the file will not open or calculate correctly in current Excel or Google Sheets, message us through Etsy (or email support@uynos.com) within 14 days of purchase. If we cannot fix it within 2 business days, we refund you in full. Because files download instantly, we do not refund for change of mind. Your consumer rights under local law still apply.
What does the license allow?
Single-user license: use it for your own business or for your own clients. Please do not resell or share the file itself.
How was it made?
Designed by UYNOS with AI-assisted tools and reviewed by a finance professional (a CFO with 20+ years of experience). Results were checked by recalculating the file and comparing against a separate calculation. The images on this page are renders of the actual file with fictional sample data.
It calculates from the figures you enter and does not know your full tax position or legal obligations. It is not IRS-reviewed and does not file anything. Check your inputs and talk to a qualified accountant or tax professional before making tax, financing or legal decisions.
Get the file
13-Week Cash Flow Forecast Template
Checkout and instant download on Etsy (Etsy may add sales tax or VAT). 14-day file guarantee.
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