Free tool · 13-week forecaster
13-week cash-flow forecaster and runway calculator
Put in a normal week, add the lumpy bits, and see your next quarter week by week — the lowest point, the weeks below your comfort line and how long your cash lasts.
Lowest balance in the next 13 weeks
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- Cash runway
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- Weeks below your minimum
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- Balance at week 13
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- Cash needed to stay above minimum
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Week-by-week table
| Week | In | Out | Closing |
|---|
A planning estimate based only on the figures you enter. Nothing is stored or sent anywhere.
How to use the forecaster
Start with the balance across your business bank accounts today and the minimum you'd be comfortable holding — for most owners, enough to cover the next wage run and a week of fixed costs. Then describe a normal week: the cash customers actually pay you (not what you invoice), your wages and super per pay run, and everything else that leaves regularly, averaged to a weekly figure.
The lumpy items are where forecasts earn their keep. Add your next BAS in the week you'll pay it — quarterly BAS is due 28 October, 28 February, 28 April and 28 July — along with insurance renewals, registrations, a large supplier bill, or a big customer payment you're expecting. Our 2026–27 tax calendar lists the dates.
How to read the result
Lowest balance is the most important number on the page. If it sits comfortably above your minimum, your next quarter is in good shape. If it dips below, you know exactly which week to plan for. Weeks below your minimum shows how long the pressure lasts, and cash needed to stay above minimum is the size of the gap — the amount you'd need to find through faster collections, moved payments or a facility.
Cash runway answers a different question: if cash is steadily going out faster than it comes in, how long until it runs out? Within the 13 weeks we count week by week. Beyond that, we extend using your average weekly net burn. If your receipts cover your outgoings, runway isn't a limit — but a single lumpy week can still cause a dip, which is why the lowest balance matters more.
Tick show the slow case to see what happens if receipts come in 15% lower every week. If the slow case still stays above your minimum, you have a resilient quarter. If it doesn't, you've found your buffer requirement before it becomes urgent.
Why 13 weeks?
Thirteen weeks is one quarter. It's long enough to include at least one BAS or PAYG instalment, several wage runs and most regular bills, but short enough that your receipts can be estimated from real invoices and bookings rather than hope. Updated weekly — drop the week just gone, add a new week 13 — it becomes a rolling early-warning system. Our guide to building a 13-week cash flow forecast explains each line in more depth, and the 30-minute weekly money routine shows how to keep it current.
What if the forecast shows a gap?
First, the timing fixes: chase overdue invoices (our follow-up playbook has scripts), ask for deposits on new work, move discretionary spending and talk to suppliers. If the gap remains, that's the moment to line up funding — while it's still weeks away and your bank statements look healthy. We consider trading businesses for cash-flow and line-of-credit facilities typically from $5,000 to $500,000, sized on turnover and bank statements, and property-secured loans from $20,000 to $5,000,000.
An enquiry takes about a minute. It doesn't involve a credit check, your details aren't passed around a panel of lenders, and a real person reads what you've told us and calls. Please answer accurately — the size of the gap, your turnover and what it's for — so we can point you to the right option first time. Start your enquiry here.
No credit check to enquire
Asking the question costs your credit file nothing. A credit check only comes up if you choose to go ahead with an application.
No spray-and-pray
We don't auction your enquiry to a list of lenders or lead buyers. One team looks at it, so your phone stays quiet.
A real person on your file
Someone who understands business money reads your answers and calls you. Accurate answers mean the right option on the first call.
Forecaster questions
What is a 13-week cash flow forecast?
It's a week-by-week projection of the cash you expect to receive and pay over the next quarter, starting from today's bank balance. Each week's closing balance becomes the next week's opening balance, so you can see your lowest point before it arrives.
How is cash runway calculated?
If your forecast shows cash going out faster than it comes in, runway is the number of weeks until the balance would reach zero. Within the 13 weeks we count week by week; beyond that we extend using your average weekly net burn. If you're cash-positive, there's no runway limit at the current pace.
Should my figures include GST?
Yes. A cash forecast tracks money in and out of the bank, so use GST-inclusive receipts and payments, and add your BAS payment as a lumpy item in the week you'll pay it.
Where does super go under Payday Super?
From 1 July 2026 super needs to reach funds within 7 business days after each payday, so include it with each wage run rather than as a quarterly lump.
Does this tool store my numbers?
No. Everything is calculated in your browser. Nothing you type is sent to us unless you choose to start an enquiry, which is a separate form.
What should I do if the forecast shows a shortfall?
Start with timing: chase overdue invoices, move discretionary spending, ask suppliers for time or bring forward deposits. If a gap remains, arrange funding while it's still weeks away. An enquiry with us takes about a minute and there's no credit check.
Is this financial advice?
No. It's a planning tool that does the arithmetic on the numbers you enter. The result is only as good as your estimates, so be conservative and update it weekly.
Found a gap in week 7? Fix it in week 1.
Tell us the amount, the timing and your turnover. No credit check to enquire, no lead-selling, and a real person on the phone.
No credit check to enquire
No spray-and-pray
A real person on your file