For the numbers-comfortable
A full operating / investing / financing cashflow statement, thirteen weeks at a time — with your own categories, your own line items, and a dashboard that reads it back to you.
Thirteen weeks. That's all it takes.
You've already done the hard part — you opened the file.
I'm the founder of OYBN — Own Your Business Numbers, and this worksheet maps your cash the same way I map it with my private clients. Same structure. None of the jargon.
Thirteen weeks is three months — long enough to see the BAS payment coming, and long enough to notice a quiet patch before it lands on you as a surprise.
If you've never mapped your cash like this before, you're starting. That's the whole game.
The worksheet groups your money the same way a CFO would.
The pre-filled rows are a starting point, not a rulebook. Rename them, delete what doesn't apply, add rows for what does. It's your business — make the worksheet fit it.
Somewhere around Week 6 or 7, you'll hit a number that makes you pause. That's the moment this stops being an exercise and starts being how you actually run the business.
Keep going. Don't close the file until every week you can fill in is filled in.
You can do this.
— Barb
Opening cash
$0
where you started
Cash at week 13
$0
where you'll land
Lowest point
$0
the week that matters most
Net movement
$0
over 13 weeks
Total money in
$0
across 13 weeks
Total money out
$0
across 13 weeks
Weeks below zero
0
below $0
Weeks under $5k
0
the amber zone
Saved automatically in this browser — private to you, on this device.
Lowest cash point
$0
13-week net movement
$0
Total money in
$0
Total money out
$0
Weeks below zero
0
Weeks under $5k
0
Investing and Financing rows accept negative numbers — enter money going out with a minus sign, exactly as the row label says.
List the suppliers who take a direct debit every week or most weeks — software, finance leases, insurance instalments. The weekly total here rolls up automatically into the "Direct Debits" row under Running Costs.
You've just done something most business owners avoid completely — you looked thirteen weeks ahead and stayed in the room.
Save this file. Reopen it at the start of every week and update it. You're now the kind of business owner who knows what's coming — that's not a small thing.
Look at what's driving it. A one-off bill? A quiet sales week? Now you know — so you can plan around it. Move a payment, follow up an invoice, or hold off on anything discretionary that week.
Don't panic. Red is a forecast, not a fact. You found it before it happened — that's the entire point of this exercise. You still have time to act.
That's telling you something deeper is going on with the business — not a budgeting problem, a structural one. It's exactly the kind of thing I work through with clients, whether that's a Business Breathing Room Session or the Money Confident CEO Intensive.
Either way — I'm proud of you for opening this file and staying in the room.
A calm, no-pressure conversation about what you're seeing and what to do about it.
Book at oybn.au/aboutThe 13-Week Cashflow Worksheet is an educational planning tool, built by OYBN — Own Your Business Numbers — to help small business owners see their cash inflows and outflows over the next thirteen weeks. It's provided for your own use, in your own business.
We do not keep a copy of your numbers on our website, so when you have completed the cashflow forecast, please print, save or download to a CSV. You can also Clear My Numbers at any time to use this sheet again.
This worksheet is not, and must not be relied on as: personal financial, tax, accounting, legal or investment advice; a substitute for advice from a qualified accountant, tax agent or financial adviser; a guaranteed forecast of future cash flow; or a tool for making complex or high-stakes financial decisions on its own.
The calculations and results depend entirely on the figures you enter. They are estimates only, and may not reflect your actual cash position.
Before making any significant financial decision — including tax payments, BAS and super obligations, debt arrangements, hiring or termination, large purchases, finance applications, or restructuring your business — please talk to a qualified accountant or financial professional who knows your specific circumstances.
Barb Everson, B.Com CPA DipFinPlan Coach, is the founder of OYBN — Own Your Business Numbers. Using or downloading this worksheet does not, on its own, create an advisory, accounting or fiduciary relationship between you and Barb Everson or OYBN. That relationship begins when you formally engage OYBN for coaching or advisory services.
To the maximum extent permitted by law, Barb Everson and OYBN — Own Your Business Numbers are not liable for any loss, damage, cost or consequence — direct, indirect, financial or otherwise — arising from your use of, or reliance on, this worksheet or any decision made based on it.
This worksheet is built with Australian small businesses in mind, including references to BAS, GST, PAYGW and superannuation. If you operate elsewhere, adapt the terminology and obligations to your own jurisdiction.
© Barb Everson / OYBN — Own Your Business Numbers. All rights reserved. This worksheet is provided to you for your own business planning use. Please don't redistribute, resell or share copies without checking with OYBN first.
By using this worksheet, you confirm you've read and understood these terms and agree to them.
Last updated: August 2026.