ERPA 13-week cash-flow plan: template and example
Start with available cash, then place expected receipts and payments in the weeks when money will actually move. The closing balance of one week becomes the next week’s opening balance. Use the template below to see when cash may fall short.
Prepare amounts by payment date
Use available cash at the beginning of week one, not the total value of unpaid invoices. Add customer receipts to the week you reasonably expect payment. Include supplier payments, payroll-related payments, taxes, rent and finance repayments when they are expected to leave the account.
This simple template groups receipts and payments into weekly totals in EUR. Combine your detailed schedules first. Where tax is actually received or paid, include that cash movement; this is not a profit-and-loss or tax calculation.
Your 13-week plan
Enter positive amounts for receipts and payments; opening cash may be negative. Week one is your chosen starting week. The example uses invented figures. Entries stay on this page only and are lost when you leave, switch language or reload. Print or save as PDF to keep a copy.
Spona · 13-week cash plan
EUR · Use a decimal point or comma, without thousands separators. Up to two decimal places. Nothing is saved or submitted.
Enter your amounts or load the example to begin.
Largest cash gap: €0.00Before fees, interest and a safety buffer.Swipe the table sideways to see the closing balances.
| Week | Opening | Receipts | Payments | Closing |
|---|---|---|---|---|
| 1 | €0.00 | €0.00 | ||
| 2 | €0.00 | €0.00 | ||
| 3 | €0.00 | €0.00 | ||
| 4 | €0.00 | €0.00 | ||
| 5 | €0.00 | €0.00 | ||
| 6 | €0.00 | €0.00 | ||
| 7 | €0.00 | €0.00 | ||
| 8 | €0.00 | €0.00 | ||
| 9 | €0.00 | €0.00 | ||
| 10 | €0.00 | €0.00 | ||
| 11 | €0.00 | €0.00 | ||
| 12 | €0.00 | €0.00 | ||
| 13 | €0.00 | €0.00 |
Use the earliest shortfall as an action date
Closing cash = opening cash + receipts − payments. A negative closing balance identifies a gap in the assumptions you entered. It is not an approved credit limit or a financing offer. The largest deficit is the minimum additional cash needed to bring this simplified plan to zero, before fees, interest or a safety buffer.
- Check the dates and evidence behind large customer receipts.
- Try a delayed-payment scenario by moving a receipt into a later week.
- Discuss payment terms or finance before the first shortage occurs.
- Replace estimates with actual figures every week and extend the plan.
Connect the plan to your records
A separate template is useful for a first check. As the company grows, keeping invoices, balances and expected payment dates current becomes the bigger task. Spona Finance brings recorded money, liquidity and invoice balances into the workspace so the next review can start from your business records.