Four-Week Cash-Flow Calculator
See how your cash could change over the next four weeks—and spot a shortfall before payments are due.
Free, and there is nothing to sign up for. The calculator runs in your browser: what you type stays on your device and is never sent to us or anyone else. Refreshing the page clears it, so download your forecast if you want to keep it.
Start here
Enter money you expect to receive or pay during each week—not unpaid sales or accounting profit. A sale you have not been paid for is not cash yet, and a bill you have not paid is still in your account.
Changing this changes how amounts are displayed only. Nothing is converted — the numbers stay exactly as you typed them.
Week 1 begins on this day. Each week below covers seven days.
What is in your accounts and till right now. If you are overdrawn, enter it with a minus sign.
The least you want left in the account at any point — a cushion for the things you cannot predict. Leave it at zero if you would rather not set one.
The four weeks
Leave anything that does not apply blank — a blank box counts as zero.
Week 1
Week 2
Week 3
Week 4
What this says
Updated as you type.
Your cash balance, week by week
Starting cash, then where each week ends.
The same figures in words:
| Week | Opening cash | Receipts | Payments | Net movement | Closing cash |
|---|
This calculator provides estimates for planning and education. Actual receipts and payments may differ.
How to use this calculator
Start with the cash you actually have today. Then, for each of the next four weeks, write down what you genuinely expect to collect and what you genuinely expect to pay — on the dates the money moves, not the dates the invoices are dated. The calculator carries each week's closing balance into the next, so a tight week shows up in the weeks that follow it rather than disappearing.
If you are not sure about a figure, put in the careful version: the collection you are confident about, and the payment you cannot delay. A forecast built on hope tells you nothing you can act on.
Why profit and cash are different
Profit counts a sale when you make it. Cash counts it when the money arrives. A business can be profitable on paper and still miss payroll, because the customer who owes ₱200,000 pays in sixty days and the staff are paid on Friday.
That is why this calculator asks only about money moving. Unpaid invoices, depreciation and accruals all belong in your profit and loss — none of them belong here.
Understand profit vs. cash — a worked example in pesos, with the video, showing how a business can earn a profit and still end the period short.
What a cash buffer means
A buffer is the amount you want to still have left when everything has been paid — the cushion for a late payer, an unexpected repair, or a slow week. Hitting zero is a crisis; touching your buffer is a warning you gave yourself in advance.
There is no correct figure. Many small businesses aim for two to four weeks of ordinary running costs. Pick a number you would be uncomfortable dropping below, and let the calculator tell you when that happens.
Why payment timing matters
The same month can be comfortable or impossible depending on the order things happen in. Paying a supplier the week before a large collection arrives, rather than the week after, can be the whole difference — and it is usually the cheapest fix available, because moving a date costs nothing and borrowing costs interest.
This is also the limit of a weekly view. A week that ends well can still have a Tuesday you cannot cover. When a week looks tight, go through it day by day.
Keeping the follow-up
A forecast usually ends with things somebody has to do — chase a payment, renegotiate a date, confirm a delivery. Keeping track of those is what DayMarshal is for. More free reading is in the resources library, and the other free tools are on the free tools page.