Free worksheet for Excel
Free 13-week cash check worksheet
The 13-week cash check is a free Excel worksheet that shows your cash in the bank, week by week, for the next quarter, and flags the week you dip below the cushion you want to keep. It also looks 12 months ahead for the big bills a 13-week view can miss.
Free. No email needed. Excel file, about 140 KB.
What it does
See your slow month early
Enter your regular bills and income. It shows your balance at the end of each week and the first week you fall below your cushion.
Put big bills on their real dates
A trade-show fee, an annual premium or an estimated tax payment goes in the week it clears, at full size, not spread across the year.
Look 12 months ahead
A January fee and an April travel bill sit in different quarters. The lookahead tab keeps both in sight.
How it works, in three steps
List your money
Enter your start date, cash in the bank and your cushion. List each payment you expect, in or out, with its first date and how often it repeats.
Type your customer payments
Add what you expect each week in the shaded row. The rest fills in from your list, with a status line at the top.
Check the lookahead
Add any large bills you forgot. Each week, move the start date forward and replace the oldest week with what really happened.
See it before you download it
This is the example tab, a fictional trades shop. Status: Cash dips below your cushion in Wk 8 (week of Jan 11). Lowest balance: $3,880 in Wk 9 (week of Jan 18).
| Week of | Nov 23 | Nov 30 | Dec 7 | Dec 14 | Dec 21 | Dec 28 | Jan 4 | Jan 11 | Jan 18 | Jan 25 | Feb 1 | Feb 8 | Feb 15 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash in | $6,600 | $6,000 | $5,400 | $7,300 | $4,400 | $4,600 | $4,200 | $8,100 | $6,200 | $8,800 | $9,200 | $9,000 | $11,300 |
| Cash out | $8,120 | $4,760 | $8,660 | $1,720 | $8,120 | $3,870 | $11,030 | $10,020 | $8,120 | $1,720 | $11,160 | $2,260 | $8,120 |
| Cash at end of week | $13,980 | $15,220 | $11,960 | $17,540 | $13,820 | $14,550 | $7,720 | $5,800 | $3,880 | $10,960 | $9,000 | $15,740 | $18,920 |
| Status (cushion $6,000) | OK | OK | OK | OK | OK | OK | OK | Below cushion | Below cushion | OK | OK | OK | OK |
The largest one-time and yearly bills in the example’s 12-month lookahead:
- Business insurance, annual premium: $4,800
- Estimated tax, 4th quarter (example amount only): $3,500
- Trade show: booth and rentals (due January): $1,480
- Trade show: travel bills (arrive April): $822
Questions
Do I need to give you my email to download it?
No. The download is free and open. If you want a short monthly letter with one idea, one free tool and one local item, you can sign up below.
What do I need to start?
Your bank balance, your regular bills and income, and the dates of the big one-time bills you know are coming. Estimates are fine. Replace them with real numbers as they arrive.
Should I put big bills in as monthly averages?
No. Put each bill on the date the cash leaves your bank, at full size. A quarterly tax payment or an annual premium belongs in one week, not spread across twelve.
Is this tax or accounting advice?
No. It is a planning tool. For estimated tax dates and amounts, check with your CPA.
Which programs does it open in?
It was built for Microsoft Excel. We have not tested it in other spreadsheet programs yet.
Want help seeing your own slow months?
Book a free 30-minute discovery call, by phone or video, and we will look at your next quarter together.
The Upstate Owner’s Letter
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