13-Week Cash Flow Forecast Software
Build a Rolling 13-Week Cash Flow Forecast
13WeekForecast gives you a week-by-week view of expected cash inflows, outflows, payroll, recurring expenses, AR/AP timing, and projected ending balances — so you can make better short-term cash decisions.
7-day free trial • No credit card required to start
What 13WeekForecast Does
A rolling 13-week cash flow forecast shows you the next quarter, week by week. 13WeekForecast makes that forecast easier to build, update, and act on.
Rolling 13-Week View
See your cash position week by week across the full next quarter, updated every time you import new data.
AR & AP Timing
Import accounts receivable and accounts payable aging reports to forecast when money actually arrives and when bills need to be paid.
Payroll & Recurring Expenses
Model payroll, rent, subscriptions, loan payments, and other recurring cash flows as predictable weekly line items.
Bank Balance Tracking
Start every week from your actual bank balance. See projected ending balances and your minimum cash point over 13 weeks.
AI Payment Optimization
Get intelligent suggestions for which bills to defer and which invoices to accelerate to protect your cash buffer.
Forecast Accuracy Over Time
Compare projected vs. actual results each week and improve your forecasting accuracy as your process matures.
What You Can Track
A complete 13-week forecast includes all the cash flows that matter to your business.
- Starting bank balance
- Expected customer receipts
- Accounts receivable timing
- Vendor payments
- Accounts payable timing
- Payroll
- Rent and recurring expenses
- Loan and debt service payments
- Line-of-credit draws and repayments
- Projected ending cash balance
- Forecast accuracy over time
- Short-term cash gaps
Why 13 Weeks Matters
A 13-week forecast is long enough to show upcoming cash pressure before it becomes a crisis, but short enough to stay practical and accurate.
It gives you a week-by-week view of the next quarter so you can plan payroll, vendor payments, collections, borrowing, and short-term decisions with more confidence.
Unlike an annual budget, a 13-week cash flow forecast answers the most urgent question: will there be enough cash in the bank next week?
How It Differs from a Budget
A budget plans annual profitability. A 13-week forecast tracks actual cash timing — when money hits your account and when payments clear. You can be profitable on paper and still run out of cash.
Built for Weekly Use
13-Week Cash Balance View
See projected cash balances across all 13 weeks with color-coded indicators for weeks where cash may get tight. Reserve goals and minimum thresholds are always visible.
- Week-by-week projected cash balance
- Minimum cash threshold alerts
- Reserve goal tracking
Executive Cash Dashboard
See your current cash position, lowest projected balance, and the most important decisions for the week — all in one view without digging through reports.
- Current cash balance updated weekly
- Lowest cash point flagged automatically
- AI-powered decision recommendations
Who Uses 13WeekForecast
Built for people who need short-term cash visibility, not just annual reports.
Business Owners
See whether there will be enough cash for payroll, vendors, rent, debt, and growth decisions.
Accountants
Help clients move from historical reporting to forward-looking cash-flow advisory conversations.
Bookkeepers
Help clients understand payment timing, collections, bills, payroll, and weekly cash pressure.
Fractional CFOs
Monitor short-term liquidity across multiple clients with a repeatable weekly process.
Consultants
Guide small business decisions with forward-looking cash visibility.
Bankers & Lenders
Discuss cash timing and short-term liquidity needs with borrowers.
SBDC Advisors
Support entrepreneurs with the clarity they need for near-term financial decisions.
Contractors
Manage retainage, project billing, and subcontractor payments week by week.
Cash Flow Mike / Clear Path to Cash Ecosystem
Built on a Proven Cash-Flow System
13WeekForecast builds on the practical cash-flow education and advisory framework used by business finance professionals.
I've known Mike Milan for many years now. I've had him on each of my podcasts and I've worked with him on many projects over the years. I have worked with many many people over the past 20 years and Mike is one of those rare guys with an incredibly high level of integrity and absolutely no BS. He gives it to you straight, and you always know where you stand with him. Oh and he actually knows his $#%^! So there's that!
Mike has lived the life of an entrepreneur for decades and knows first-hand how tough the journey is for virtually everyone. He's known as 'Cash Flow Mike' because he understands how critical cash flow is for a business and how proper financial management is the key to not only survival, but growth. He has an incredible ability to share his knowledge in an engaging and clear way that translates to the business-owner mindset. Any time spent with Mike will not only move your business forward, but it could be the difference between failing and thriving.
I have known Mike for several years, but did not really understand his depth of knowledge on "cash flow" and business financing until I had him as a guest on my podcast and on a couple of webinars. He's a great teacher and very knowledgeable on the topic. I guess that's why he's "Cash Flow Mike"!
The training provided by Cash Flow Mike allows bankers to work through real world scenarios in a training environment. The training results in the bankers having increased confidence when in front of clients and prospects!
I have worked with Mike for years and have found him to be an extremely knowledgeable and effective – and entertaining – instructor. Mike’s expertise with cash flow is rivaled only by his ability to make the subject matter fun and easy to understand.
You don't call yourself 'Cash Flow Mike' for nothing, it is literally who you are and, specifically, who Mike is. I've seen proven time and again, Mike knows his stuff, knows cash flow tools and tactics as well as what firm and business leaders often get wrong or ignore in this crucial process.
Testimonials shown here are from the Cash Flow Mike / Clear Path to Cash ecosystem. Individual results vary, and testimonials should not be interpreted as financial, tax, legal, lending, accounting, or investment advice.
Ready to see your next 13 weeks more clearly?