Seasonality
Mark the months where VAT returns, ETF payments, or revenue dips cluster. Your buffer calculation is meaningless if it treats every month identically.
Operations finance toolkit
Cash Flow Forecast
Log inflows and outflows month by month across a 12-month rolling window. The tool calculates your net position, cumulative balance, and flags the months where cash runs thin.
Calculator
Why it matters: A faster month-end close and regular reporting give you current figures sooner, so seasonal shortfalls show up earlier and you rely less on emergency credit.
Step-by-step method: how to build a 13-week cash flow forecast.
Three inputs that shape forecast accuracy
A 12-month model is only as useful as the assumptions behind it. These three areas catch the most common gaps.
Committed spend
Add expansion capex, new hire costs, or BPO transition fees the moment contracts are signed, not when invoices arrive.
Minimum runway
Target 2-3 months of operating expenses as your floor. Use the net cash balance tile to see exactly how many months you're holding that buffer.
Need a board-ready cash flow pack, not just a spreadsheet?
WinCore's Colombo analysts convert your forecast into a scenario deck, add covenant coverage tracking, and keep the model updated every month so you're never presenting stale numbers.
Cash flow forecast FAQs
How long the forecast runs, where your figures are saved, and how outsourcing affects cash visibility.
Review all answers at once or open just the one you need.
The tool supports a rolling 12-month forecast. Each month can have individual inflow and outflow entries with optional row labels (e.g. "Q1 revenue", "Payroll run").
Yes. All entries are auto-saved to your device using local storage. Your data is private and never sent to our servers.
A faster month-end close and regular reporting give you current figures sooner, so seasonal shortfalls show up earlier and you can arrange funding before you need it. How much earlier depends on how long your books take to close today.
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