13-week clinic cash-flow planner

How to use this tool

Use this 13-week clinic cash-flow planner to explore the timing of aggregate receipts, payments and financing.

• Enter the opening cash balance, currency and receipt-delay scenario.
• Add receipts, operating payments and financing for weeks 1–13 in a consistent currency.
• Compare collection-delay assumptions and negative balances, then export all 13 weeks and assumptions.

Fictional example and how to read the result

A $1,000 invoice paid two weeks later affects the week cash is received. Issuing an invoice and receiving its payment are different events.

The scenario is a cash timing illustration. It does not establish solvency, accounting compliance or a financing recommendation.

Plan cash when it enters or leaves the bank

Use an original cash-event ledger for thirteen weeks. Multiple events can share a week; weeks with no entered events carry the prior closing balance unchanged.

The fictional example is deliberately incomplete and may have shortfalls. Add every expected receipt and payment before treating it as your forecast.

• Enter operating receipts and payments separately from financing in and out.
• Opening cash can be negative. Never change a shortfall to zero.
• Delay applies only to operating receipts. Receipts pushed past week 13 stay visible in a separate report section.
• The reserve is your chosen planning amount; neither the reserve nor the forecast is a financial recommendation.

What to enter in each field

• Opening cash (negative values allowed): Enter cash available before week 1 in the chosen currency. A negative opening balance is retained as a shortfall, not changed to zero.
• Chosen cash reserve: Enter your chosen planning reserve in the same currency, including 0 if none. It is a comparison line, not a financial recommendation.
• Scenario receipt delay in whole weeks (0–13): Enter whole weeks from 0 to 13 to delay operating receipts in the scenario. Payments and financing keep their original weeks; receipts beyond week 13 are disclosed.
• Currency label: Enter one currency label such as CAD for all events and balances. No exchange-rate conversion is applied.
• Week (1–13): Enter a whole week from 1 to 13 relative to your planning start. Multiple cash events may share a week; unentered weeks carry the balance forward.
• Cash event: Describe one expected cash event, such as payroll or collected service fees. Include all known receipts and payments before using a projection.
• Cash type: Receipt/payment are operating cash flows; financing in/out are funding or repayment flows. Type determines whether the amount adds to or subtracts from cash.
• Amount (positive; type determines direction): Enter a nonnegative amount in the selected currency; use the type to set direction rather than a minus sign. Zero is an entered zero, while a blank event is not evidence of no flow.

Original fictional example and data fields

Use the editable blank CSV or local import to collect your own de-identified entries. The example below is fictional.

Professional sources and permissions

Original worksheets and arithmetic support recording and planning. Follow the official publisher routes for standardized instruments.

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