1. Print or open this PDF. Keep one copy per quarter.
2. Set your Starting Balance. Write in the amount of cash in your business checking account at the top of Week 1.
3. Add Cash In (Receipts). Write down customer payments you realistically expect to receive that week—progress payments, invoices, deposits, or other income.
4. Add Cash Out (Disbursements). Write down all expenses due that week—payroll, materials, truck payments, insurance, utilities, etc.
5. Calculate Net Cash. Subtract Total Cash Out from Total Cash In.
6. Calculate Ending Balance. Take Beginning Balance + Net Cash = Ending Balance.
7. Roll It Forward. The Ending Balance of Week 1 becomes the Beginning Balance of Week 2. Repeat through all 13 weeks.
Tip: Update weekly. If actual receipts or expenses are different than planned, adjust the upcoming weeks so the forecast stays accurate.