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Dated 13-Week Operating Cash Plan

Find daily cash troughs, weekly balances and user-defined cash-floor gaps under entered receipt-delay and financing cases.

Your records stay in this page. Calculations and imports run locally. No inputs are uploaded, stored in your browser or placed in URLs. Explicit exports create private files.

Opening cash and 91-day horizon

Opening cash dateOpening net unrestricted cash ($)After the closing funds flow. A negative value is an opening deficit, not approved borrowing.Chosen minimum cash floor ($)Your planning assumption; no required reserve or lending commitment is inferred.Customer-receipt delay case (calendar days)Moves opening-AR, new-job and customer-deposit receipts only. Other dates stay unchanged.Population scope

Thirteen seven-day periods include the opening date through day 90. Results use end-of-day cash and include the opening position. Confirm intraday bank availability separately. Financing rows require their own supported approval.

Dated receipts and payments

Choose a category to set the cash sign; enter a nonnegative amount. Include the complete operating population. Debt service is entered cash, not recalculated here. Dates beyond day 90 remain separately visible; dates before the opening cutoff are rejected.

Dated cash inputs
Anonymous reference	Cash date	Category (sets sign)	Amount ($)	Evidence status	Action

Up to 1,000 rows. Evidence status and complete scope are your assertions. Do not add an extra working-capital change to direct cash receipts/payments already reflecting the same timing.

Optional local CSV importChoose the dated cash movement CSV

Use the exact illustrative CSV format. Limit: 2 MB. Structural errors retain the previous rows. Import replaces rows, retains global assumptions and requires review/calculation.

Method and interpretation

All values are USD. Day zero is your opening cash date. The 91-day horizon ends on day 90; each of thirteen periods contains seven calendar days. Daily closing cash = opening cash + cumulative dated receipts − cumulative dated payments. The opening position is also tested. Additional opening cash to meet the chosen floor = max(0, floor − minimum modeled cash). A floor gap is a scenario result, not required reserves, an approved facility or a solvency conclusion.

The delay case adds the entered whole calendar days only to opening-AR, new-job and customer-deposit receipts. No other dates change. After-horizon movements are retained separately. Empty dates are modeled with no entered movements; they do not establish a complete forecast. Same-day movements are netted at end of day; intraday order, cleared-funds availability and overdraft permission are not modeled.

Financing draws and repayments are shown separately. The companion result excludes those rows while keeping the same opening balance and all other categories, including scheduled debt service. It does not undo funding already included in opening cash. Do not treat borrowing as revenue, recalculate a loan payment here, add a duplicate working-capital adjustment or double-count the closing reserve.

Independent worked example

Assumed opening cash $40,000; $35,000 payroll January 3; $50,000 customer cash January 5; $60,000 supplier payment January 10; $30,000 customer cash January 12. Minimum cash is −$5,000; the first two period-end balances are $55,000 and $25,000. A chosen $15,000 floor needs $20,000 additional opening cash under that case. Delaying both customer receipts seven days gives minimum −$55,000 and a $70,000 floor gap. Final cash remains $25,000 if both arrive within the horizon. All numbers and dates are hypothetical.

Validation and limits

Valid input dates: 1900–2200. Up to 1,000 uniquely identified rows, finite amounts up to $1 trillion, signed opening cash, nonnegative flow amounts and floor, and whole delay 0–3,650 days. Dates before opening and unsupported categories are rejected. Imports require the exact header and review before calculation. Inputs remain local; explicit exports contain private assumptions. General context: FDIC/SBA cash-flow education. The method and tool are original, not agency-endorsed.

Continue with the evidence

Read the companion guide

Download the four-movement CSV example

Primary references

This numerical framework is explained in the companion guide. Contract, accounting and transfer conclusions require the actual evidence and appropriate review.

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