What is the 13-week cash-flow forecast?
A rolling short-horizon view of cash in and out — the same tool a fractional CFO uses to spot a shortfall while there is still time to act.
Spreadsheet & Workbook · For small business owners
Small Business Budget & Cash-Flow Forecast Template
Budget vs. actual plus a 13-week cash-flow forecast in one workbook.
$49 · one-time
Excel workbook (.xlsx) + quick-start guide (PDF)
Available soon
Sold and fulfilled by Gumroad, Inc. as merchant/seller of record. Content authored by ExpertEngine LLC d/b/a ProAxis Templates — built by the licensed CPAs at ProAxis Tax & Accounting Services.
What it is
Profit and cash are not the same thing, and the businesses that get surprised by a cash crunch are usually profitable on paper. This workbook pairs an annual budget-versus-actual view with a rolling 13-week cash-flow forecast — the same short-horizon view a fractional CFO builds — so you can see a shortfall coming while there is still time to act.
It contains no tax rates and performs no tax calculations; example figures are illustrative only. It is a general-purpose planning template, not accounting, tax, or financial advice for your situation. Built by a licensed CPA firm (NJ + NY) as a starting framework you adapt to your numbers.
What's included
- Annual budget with budget-vs-actual tracking
- 13-week rolling cash-flow forecast
- Monthly summary and simple charts
- Quick-start guide (PDF)
Who it's for
- Small business owners planning the year ahead
- Owners managing a tight or seasonal cash cycle
- Anyone who wants an early-warning view of cash
How you get it
After checkout you receive an instant digital download — excel workbook (.xlsx) + quick-start guide (pdf). There is no physical item and nothing ships. You can start using the file the same day.
Setting it up
This workbook is designed to be usable the day you download it, whether or not you have used a spreadsheet like it before. Open the Excel file, start on the guide tab, and enter your own numbers where indicated. The structure does the organizing; you just keep it current.
- Download and open the workbook in Microsoft Excel (it also imports into Google Sheets if you prefer).
- Read the short quick-start guide (PDF) included with your purchase — it explains each tab in plain language.
- Enter your data as it happens through the year, rather than reconstructing it all at tax time.
- Use the summary views to see where things stand and to hand a clean file to your tax preparer.
The workbook records and organizes your numbers. It does not file anything, does not prepare a tax return, and does not decide the judgment calls that depend on your specific facts — those stay with you and the professional you engage.
Why buy a template built by a CPA firm
Most bookkeeping templates sold online are built by spreadsheet marketers to look good in a listing. This one was built by the licensed CPAs at ProAxis Tax & Accounting Services (New Jersey and New York) around how the return actually reads. That difference does not show up in a screenshot, but it shows up the first time you reconcile: the accounts are grouped the way your situation reports, the categories line up with the tax form, and the structure holds when the numbers get real.
Every product is reviewed by a licensed CPA before it is published, and any figure it references is cited to a primary IRS or state source and dated inside the file. The goal is an honest, professional starting point — not an optimistic one. If you later decide you would rather hand the work to a CPA than do it yourself, ProAxis does bookkeeping setup, cleanup, and ongoing accounting for businesses across NJ, NY, and PA. The template makes that conversation shorter; it does not depend on it.
Related resources
More CPA-built bookkeeping workbooks
- DIY Bookkeeping Catch-Up Workbook → A month-by-month order of operations to bring your books current.
- Self-Employed Tax Spreadsheet → Income, expenses, quarterly taxes, and mileage in one workbook.
- Etsy Seller Bookkeeping Spreadsheet → Fees, COGS, sales tax, and a tax-prep dashboard for Etsy sellers.
Frequently asked questions
Does it calculate taxes?
No. It contains no tax rates and performs no tax calculations. It is a budgeting and cash-flow planning tool.
Do I need finance experience to use it?
No. You enter your own figures; the workbook does the budget-versus-actual and cash-flow math. Example figures are illustrative only.
Important — please read before buying
Educational template — not advice. This is a do-it-yourself template. It is general educational material, not tax, accounting, or legal advice, and is not written tax advice under Treasury Circular 230. Your purchase does not create a CPA-client, engagement, or advisory relationship. Figures reflect the law as of the date shown for the tax year noted and are not updated after purchase — verify at the primary source before acting. Consult a professional you separately engage about your specific situation. Results vary; no specific tax, refund, deduction, or compliance outcome is promised.
Refunds: Digital products are delivered instantly and are non-refundable once downloaded. We will refund or replace any file that is corrupt, materially not as described, or not delivered, within 30 days of purchase.
Purchases are governed by the Digital Product License & Terms of Sale. Sold and fulfilled by Gumroad, Inc. as merchant/seller of record. Content authored by ExpertEngine LLC d/b/a ProAxis Templates — built by the licensed CPAs at ProAxis Tax & Accounting Services.
Want a CPA to set up your books, not just a template?
ProAxis Tax & Accounting Services does bookkeeping setup, cleanup, and ongoing accounting for NJ, NY, and PA businesses. Book a free consultation to talk through your situation.