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13-Week Cash Flow Planner

See your bank balance week by week for the next 13 weeks, the lowest point, and whether you can afford a stock order.

Reviewed by CA Apurav GargUpdated Your plan stays in your browser

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Planner

Note:
Example plan — replace with yours.

Your starting point

All business bank accounts on the first Monday.

Each week runs Monday to Sunday.

Weeks below this are flagged. Blank or 0 flags weeks below zero.

Money coming in

  • Counted once in each week.

  • Counted once in each week.

Money going out

  • Counted once in each week.

or use a helper below.

Add tax payments

Adds each , and advance tax due date in these 13 weeks, from the Compliance Calendar. You type the amounts.

If you deduct TDS on rent, fees, contractors or salaries.

Add a stock order

Enter the total, the advance % and the dates to add it.

Advanced options
For sales paid out some weeks later. Week by week, money in = the sales of an earlier week.
Saved on this device only. Nothing is sent to us.

Your 13 weeks

Lowest closing bank balance

₹4,80,000

In the week of 28 Dec 2026. No week closes below zero.

Closing balance after 13 weeks
₹9,80,000
Money in over 13 weeks
₹38,00,000
Money out over 13 weeks
₹33,20,000

Largest payments out in the lowest week (28 Dec – 3 Jan)

  1. Payroll (1 Jan)₹2,40,000
  2. Ads (28 Dec)₹90,000
Money in, money out and closing balance, week by week
2 NovW19 NovW216 NovW323 NovW430 NovW57 DecW614 DecW721 DecW828 DecW94 JanW1011 JanW1118 JanW1225 JanW13₹5.4 L₹7.4 L₹5 L₹7.6 L₹5.8 L₹7.6 L₹9.1 L₹6.1 L₹4.8 L₹6.1 L₹7.2 L₹8.7 L₹9.8 L

Money inMoney out (hatched)Closing balance (figures above the points)

Week by week

13-week cash flow
WeekOpening (₹)Money in (₹)Money out (₹)Closing (₹)
W1 · 2 Nov – 8 Nov₹5,00,000₹2,00,000₹1,60,000₹5,40,000
W2 · 9 Nov – 15 Nov₹5,40,000₹3,50,000₹1,50,000₹7,40,000
W3 · 16 Nov – 22 Nov₹7,40,000₹2,00,000₹4,40,000₹5,00,000
W4 · 23 Nov – 29 Nov₹5,00,000₹3,50,000₹90,000₹7,60,000
W5 · 30 Nov – 6 Dec₹7,60,000₹2,00,000₹3,80,000₹5,80,000
W6 · 7 Dec – 13 Dec₹5,80,000₹3,50,000₹1,70,000₹7,60,000
W7 · 14 Dec – 20 Dec₹7,60,000₹5,00,000₹3,50,000₹9,10,000
W8 · 21 Dec – 27 Dec₹9,10,000₹3,50,000₹6,50,000₹6,10,000
W9 · 28 Dec – 3 Jan₹6,10,000₹2,00,000₹3,30,000₹4,80,000lowest
W10 · 4 Jan – 10 Jan₹4,80,000₹3,50,000₹2,20,000₹6,10,000
W11 · 11 Jan – 17 Jan₹6,10,000₹2,00,000₹90,000₹7,20,000
W12 · 18 Jan – 24 Jan₹7,20,000₹3,50,000₹2,00,000₹8,70,000
W13 · 25 Jan – 31 Jan₹8,70,000₹2,00,000₹90,000₹9,80,000
Payments in each week

W1 · 2 Nov – 8 Nov

  • 2 Nov · D2C prepaid settlements+₹1,20,000
  • 2 Nov · COD remittances+₹80,000
  • 2 Nov · Ads−₹90,000
  • 5 Nov · Rent−₹50,000
  • 7 Nov · TDS−₹20,000

W2 · 9 Nov – 15 Nov

  • 9 Nov · D2C prepaid settlements+₹1,20,000
  • 9 Nov · COD remittances+₹80,000
  • 9 Nov · Amazon payout+₹1,50,000
  • 9 Nov · Ads−₹90,000
  • 10 Nov · Loan EMI−₹60,000

W3 · 16 Nov – 22 Nov

  • 16 Nov · D2C prepaid settlements+₹1,20,000
  • 16 Nov · COD remittances+₹80,000
  • 16 Nov · Ads−₹90,000
  • 18 Nov · Supplier PO — advance (30%)−₹2,40,000
  • 20 Nov · GST−₹1,10,000

W4 · 23 Nov – 29 Nov

  • 23 Nov · D2C prepaid settlements+₹1,20,000
  • 23 Nov · COD remittances+₹80,000
  • 23 Nov · Amazon payout+₹1,50,000
  • 23 Nov · Ads−₹90,000

W5 · 30 Nov – 6 Dec

  • 30 Nov · D2C prepaid settlements+₹1,20,000
  • 30 Nov · COD remittances+₹80,000
  • 30 Nov · Ads−₹90,000
  • 1 Dec · Payroll−₹2,40,000
  • 5 Dec · Rent−₹50,000

W6 · 7 Dec – 13 Dec

  • 7 Dec · D2C prepaid settlements+₹1,20,000
  • 7 Dec · COD remittances+₹80,000
  • 7 Dec · Amazon payout+₹1,50,000
  • 7 Dec · Ads−₹90,000
  • 7 Dec · TDS−₹20,000
  • 10 Dec · Loan EMI−₹60,000

W7 · 14 Dec – 20 Dec

  • 14 Dec · D2C prepaid settlements+₹1,20,000
  • 14 Dec · COD remittances+₹80,000
  • 14 Dec · Ads−₹90,000
  • 15 Dec · Advance tax−₹1,50,000
  • 18 Dec · Quick-commerce PO payment+₹3,00,000
  • 20 Dec · GST−₹1,10,000

W8 · 21 Dec – 27 Dec

  • 21 Dec · D2C prepaid settlements+₹1,20,000
  • 21 Dec · COD remittances+₹80,000
  • 21 Dec · Amazon payout+₹1,50,000
  • 21 Dec · Ads−₹90,000
  • 23 Dec · Supplier PO — balance (70%)−₹5,60,000

W9 · 28 Dec – 3 Jan

  • 28 Dec · D2C prepaid settlements+₹1,20,000
  • 28 Dec · COD remittances+₹80,000
  • 28 Dec · Ads−₹90,000
  • 1 Jan · Payroll−₹2,40,000

W10 · 4 Jan – 10 Jan

  • 4 Jan · D2C prepaid settlements+₹1,20,000
  • 4 Jan · COD remittances+₹80,000
  • 4 Jan · Amazon payout+₹1,50,000
  • 4 Jan · Ads−₹90,000
  • 5 Jan · Rent−₹50,000
  • 7 Jan · TDS−₹20,000
  • 10 Jan · Loan EMI−₹60,000

W11 · 11 Jan – 17 Jan

  • 11 Jan · D2C prepaid settlements+₹1,20,000
  • 11 Jan · COD remittances+₹80,000
  • 11 Jan · Ads−₹90,000

W12 · 18 Jan – 24 Jan

  • 18 Jan · D2C prepaid settlements+₹1,20,000
  • 18 Jan · COD remittances+₹80,000
  • 18 Jan · Amazon payout+₹1,50,000
  • 18 Jan · Ads−₹90,000
  • 20 Jan · GST−₹1,10,000

W13 · 25 Jan – 31 Jan

  • 25 Jan · D2C prepaid settlements+₹1,20,000
  • 25 Jan · COD remittances+₹80,000
  • 25 Jan · Ads−₹90,000

Can I afford this?

Try one extra payment — a stock order, a machine, a deposit — without adding it to the plan.

2 Nov 2026 to 31 Jan 2027.

What this tells you

A 13-week cash flow forecast shows what your bank balance will be at the end of each week of the next quarter, from the money you expect to receive and the payments you expect to make. It shows the lowest point and any week that runs short, early enough to do something about it.

It also answers the question that comes up before every large stock order: can the business afford it, and in which week would it hurt?

Assumptions used

  • Each week runs Monday to Sunday; the first week starts on the Monday you choose.
  • A weekly payment is counted once in every week. A monthly payment on a day after the month’s last day (such as the 31st) falls on the last day.
  • Payments are counted in the week of their date; the order within a week does not matter, so a dip in the middle of a week is not shown.
  • Tax due dates come from the Compliance Calendar as the rules give them, with no shift for weekends or holidays. You enter the amounts.
  • Marketplace payouts: the money in each week is the sales of the week that many weeks earlier.
  • Blank amounts count as nil. Interest, bank charges and GST credits are included only if you enter them.

How this is calculated

  1. Week 1 opens with your opening bank balance.
  2. Each payment is placed in the week its date falls in: one-off on its date; weekly in every week; every 2 weeks on its first date and every 14 days after; monthly on the day you choose.
  3. Closing balance = opening + money in − money out. The next week opens with that closing balance.
  4. Lowest balance = the smallest closing balance of the 13 weeks; a week is flagged if it closes below zero, or below your minimum cash buffer.
  5. Can I afford this? = the same 13 weeks with one extra payment out on the date you enter.

Worked examples

Example: a D2C brand from 2 November 2026

Start Monday 2 November 2026 with ₹5,00,000 in the bank. Money in: D2C prepaid settlements ₹1,20,000 and COD remittances ₹80,000 every week, an Amazon payout of ₹1,50,000 every 2 weeks from 9 November, and a quick-commerce PO payment of ₹3,00,000 on 18 December. Money out: ads ₹90,000 every week; payroll ₹2,40,000 on the 1st; rent ₹50,000 on the 5th; a ₹8,00,000 supplier PO (30% on 18 November, 70% on 23 December); GST ₹1,10,000 on the 20th; TDS ₹20,000 on the 7th; advance tax ₹1,50,000 on 15 December; a loan EMI of ₹60,000 on the 10th.

Closing balance each week in the example
WeekMoney in (₹)Money out (₹)Closing (₹)
W1 · 2 Nov 2026₹2,00,000₹1,60,000₹5,40,000
W2 · 9 Nov 2026₹3,50,000₹1,50,000₹7,40,000
W3 · 16 Nov 2026₹2,00,000₹4,40,000₹5,00,000
W4 · 23 Nov 2026₹3,50,000₹90,000₹7,60,000
W5 · 30 Nov 2026₹2,00,000₹3,80,000₹5,80,000
W6 · 7 Dec 2026₹3,50,000₹1,70,000₹7,60,000
W7 · 14 Dec 2026₹5,00,000₹3,50,000₹9,10,000
W8 · 21 Dec 2026₹3,50,000₹6,50,000₹6,10,000
W9 · 28 Dec 2026₹2,00,000₹3,30,000₹4,80,000
W10 · 4 Jan 2027₹3,50,000₹2,20,000₹6,10,000
W11 · 11 Jan 2027₹2,00,000₹90,000₹7,20,000
W12 · 18 Jan 2027₹3,50,000₹2,00,000₹8,70,000
W13 · 25 Jan 2027₹2,00,000₹90,000₹9,80,000

The lowest closing balance is ₹4,80,000 in the week of 28 Dec 2026, when December’s payroll and the weekly ads go out. No week closes below zero.

Example: can it afford ₹6,00,000 on 28 Dec 2026?

Not without a shortfall. From that week every closing balance falls by ₹6,00,000: W9 −₹1,20,000 · W10 ₹10,000 · W11 ₹1,20,000 · W12 ₹2,70,000 · W13 ₹3,80,000. The week of 28 Dec 2026 closes at −₹1,20,000, so the payment would need to move to a later week or be funded.

Our Virtual CFO service keeps a 13-week cash forecast up to date with your actual payouts, bills and tax dates every week.

Questions sellers ask

Why 13 weeks?

Thirteen weeks is one quarter: long enough to see a stock order, a quarter’s tax dates and a slow month coming, and short enough that the figures are your real expected payments rather than guesses. Lenders and investors often ask for a 13-week cash forecast for the same reason.

I am profitable, so why can my bank balance still run short?

Profit counts a sale when you make it; cash arrives when you are paid. Marketplace payouts, COD remittances and quick-commerce purchase orders can take days or weeks to reach the bank, while stock, ads, salaries and taxes are paid on fixed dates. A business can be profitable on paper and still be short of cash in a particular week.

How do I enter payouts that arrive on a cycle?

Enter each channel the way it pays you: weekly for gateways that settle every week, every 2 weeks for a fortnightly marketplace payout, monthly on a day for a monthly settlement, or a one-off date for a purchase-order payment. If a marketplace pays a fixed number of weeks after the sale, turn on “Add marketplace payouts” under Advanced options and enter the delay and the weekly sales.

Work out what each marketplace order pays you

Where do the tax dates come from?

From the same rules as our Ecommerce Compliance Calendar: GSTR-3B on the 20th for monthly filers; for quarterly (QRMP) filers, the payment on the 25th for the first two months of each quarter and GSTR-3B on the 22nd or 24th after the quarter, depending on the state; TDS on the 7th, except TDS deducted in March, which is due on 30 April; and advance tax on 15 June, 15 September, 15 December and 15 March. If the government extends a date and the calendar is updated, the new date is used. You enter the amounts.

See every due date in the Compliance Calendar

What should I do when a week shows a shortfall?

Look at the largest payments out in that week first. Common options are to move a stock order’s balance or a supplier payment to a later week, ask for an earlier payout or shorter credit terms, hold back discretionary spending such as ads, or arrange a working-capital limit before the week arrives. Use “Can I afford this?” to test a payment before you commit to it.

How often should I update the plan?

Once a week. Each Monday, change the first week to your actual bank balance, replace the forecast with what was actually received and paid, and add any new orders or bills. The plan is saved in this browser; export it as a .json file to keep a copy or to open it on another device.

Want our team to check these numbers against your actual settlement reports?

We reconcile marketplace settlements, GST and TDS for D2C and marketplace sellers every month. Share your reports and we will walk you through what we find.

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Disclaimer

A planning estimate for general information only, based on the figures you enter. It is not professional advice and does not predict what your bank balance will actually be. Tax due dates come from the Ecommerce Compliance Calendar, where each entry shows when it was last verified; always check the portal for any extension.

Report a problem with this planner