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BUSINESS RESEARCH / FREE TOOL

Thirteen-week operating cash planner

Edit each week and compare baseline and downside liquidity. Financing stays visible as financing, while negative balances remain visible.

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Fictional worked examples, prepared 25 September 2026. KES throughout. Replace inputs with your own dated records. Project 1 workbook: Overview D6:D7; Cash13W rows 6:18. Additional detailed categories default to zero.

Timing, evidence and scenario controls
Customer receipts and committed uses — editable KES by week

The default fixed and other-committed buckets retain the workbook totals. Split them into additional categories only after reducing the original bucket, so a payment is counted once. Base and downside receipts/payments can differ; all other entered uses apply to both cases unless a stated stress control changes them.

WeekBase customer receiptsDownside customer receiptsBase supplier paymentsDownside supplier paymentsPayroll / fixed costsOther committed uses
1
2
3
4
5
6
7
8
9
10
11
12
13
Separate financing and additional uses — editable KES by week

The default fixed and other-committed buckets retain the workbook totals. Split them into additional categories only after reducing the original bucket, so a payment is counted once. Base and downside receipts/payments can differ; all other entered uses apply to both cases unless a stated stress control changes them.

WeekOther operating receiptsNew owner fundsNew borrowingAdditional taxAdditional maintenance capexAdditional growth capexAdditional interestAdditional principalAdditional owner withdrawals
1
2
3
4
5
6
7
8
9
10
11
12
13
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Editable fields use the amber background. Inputs are used for this response and are not saved to a member profile or lead list. CSV downloads contain the calculated tables for the submitted inputs.

Your scenario, step by step.

Base minimum cashKES 1,050,000.00
Downside minimum cashKES -6,650,000.00
First downside reserve breachWeek 2
First downside cash shortfallWeek 3

Base and downside comparison

MeasureBaseDownside
Lowest cash (including opening)KES 1,050,000.00KES -6,650,000.00
Closing week 13 cashKES 1,950,000.00KES -6,650,000.00
Initial cash injection to keep the reserveKES 0.00KES 7,150,000.00
Customer receipts shifted beyond week 13KES 0.00KES 0.00
Borrowing shifted beyond week 13KES 0.00KES 0.00

Base weekly schedule

WeekBeginsOpeningOperating receiptsOwner fundsNew borrowingAll usesClosingAbove / below reserve
12026-09-28KES 1,200,000.00KES 1,450,000.00KES 0.00KES 0.00KES 1,400,000.00KES 1,250,000.00KES 750,000.00
22026-10-05KES 1,250,000.00KES 1,200,000.00KES 0.00KES 0.00KES 1,400,000.00KES 1,050,000.00KES 550,000.00
32026-10-12KES 1,050,000.00KES 1,900,000.00KES 0.00KES 0.00KES 1,700,000.00KES 1,250,000.00KES 750,000.00
42026-10-19KES 1,250,000.00KES 1,300,000.00KES 0.00KES 0.00KES 1,400,000.00KES 1,150,000.00KES 650,000.00
52026-10-26KES 1,150,000.00KES 2,500,000.00KES 0.00KES 0.00KES 1,900,000.00KES 1,750,000.00KES 1,250,000.00
62026-11-02KES 1,750,000.00KES 1,100,000.00KES 0.00KES 0.00KES 1,400,000.00KES 1,450,000.00KES 950,000.00
72026-11-09KES 1,450,000.00KES 1,400,000.00KES 0.00KES 0.00KES 1,400,000.00KES 1,450,000.00KES 950,000.00
82026-11-16KES 1,450,000.00KES 1,900,000.00KES 0.00KES 0.00KES 1,700,000.00KES 1,650,000.00KES 1,150,000.00
92026-11-23KES 1,650,000.00KES 1,200,000.00KES 0.00KES 0.00KES 1,400,000.00KES 1,450,000.00KES 950,000.00
102026-11-30KES 1,450,000.00KES 2,300,000.00KES 0.00KES 0.00KES 1,800,000.00KES 1,950,000.00KES 1,450,000.00
112026-12-07KES 1,950,000.00KES 1,000,000.00KES 0.00KES 0.00KES 1,350,000.00KES 1,600,000.00KES 1,100,000.00
122026-12-14KES 1,600,000.00KES 1,600,000.00KES 0.00KES 0.00KES 1,550,000.00KES 1,650,000.00KES 1,150,000.00
132026-12-21KES 1,650,000.00KES 2,000,000.00KES 0.00KES 0.00KES 1,700,000.00KES 1,950,000.00KES 1,450,000.00

Downside weekly schedule

WeekBeginsOpeningOperating receiptsOwner fundsNew borrowingAll usesClosingAbove / below reserve
12026-09-28KES 1,200,000.00KES 1,100,000.00KES 0.00KES 0.00KES 1,500,000.00KES 800,000.00KES 300,000.00
22026-10-05KES 800,000.00KES 800,000.00KES 0.00KES 0.00KES 1,450,000.00KES 150,000.00KES -350,000.00
32026-10-12KES 150,000.00KES 1,200,000.00KES 0.00KES 0.00KES 1,800,000.00KES -450,000.00KES -950,000.00
42026-10-19KES -450,000.00KES 900,000.00KES 0.00KES 0.00KES 1,550,000.00KES -1,100,000.00KES -1,600,000.00
52026-10-26KES -1,100,000.00KES 1,600,000.00KES 0.00KES 0.00KES 2,050,000.00KES -1,550,000.00KES -2,050,000.00
62026-11-02KES -1,550,000.00KES 700,000.00KES 0.00KES 0.00KES 1,450,000.00KES -2,300,000.00KES -2,800,000.00
72026-11-09KES -2,300,000.00KES 900,000.00KES 0.00KES 0.00KES 1,550,000.00KES -2,950,000.00KES -3,450,000.00
82026-11-16KES -2,950,000.00KES 1,200,000.00KES 0.00KES 0.00KES 1,800,000.00KES -3,550,000.00KES -4,050,000.00
92026-11-23KES -3,550,000.00KES 800,000.00KES 0.00KES 0.00KES 1,500,000.00KES -4,250,000.00KES -4,750,000.00
102026-11-30KES -4,250,000.00KES 1,500,000.00KES 0.00KES 0.00KES 1,950,000.00KES -4,700,000.00KES -5,200,000.00
112026-12-07KES -4,700,000.00KES 650,000.00KES 0.00KES 0.00KES 1,400,000.00KES -5,450,000.00KES -5,950,000.00
122026-12-14KES -5,450,000.00KES 1,050,000.00KES 0.00KES 0.00KES 1,700,000.00KES -6,100,000.00KES -6,600,000.00
132026-12-21KES -6,100,000.00KES 1,300,000.00KES 0.00KES 0.00KES 1,850,000.00KES -6,650,000.00KES -7,150,000.00

Interpret the result.

The financing need is the peak reserve gap, not the sum of every negative closing balance. No corrective injection has been inserted into these schedules.

A week closes after that week’s receipts and uses. Cash needed earlier within a week still requires a daily schedule. No breach in 13 weeks is not infinite runway.

Borrowing and owner funds are financing inflows, not operating revenue. Shifted receipts beyond the horizon are disclosed, not silently deleted.

Formulae and symbol definitions.

\[ C_t = C_{t-1} + R_t + E_t + F_t - U_t \]

Cₜ = Cₜ₋₁ + Rₜ + Eₜ + Fₜ − Uₜ

Cₜ is week-end cash; Cₜ₋₁ is opening cash; Rₜ is operating cash received, Eₜ new owner funds, Fₜ new borrowing and Uₜ all scheduled cash uses. Values are KES in week t; t runs from 1 to 13.

\[ \text{Reserve funding need} = \max\!\left(0, B - \min_{0 \leq t \leq 13} C_t\right) \]

Reserve funding need = max(0, B − min(C₀ … C₁₃))

B is the chosen KES reserve floor and C₀ opening unrestricted cash. This is the initial buffer required to cover the deepest forecast gap, assuming the remaining cash flows are unchanged.

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