How to build a 13-week cash plan for your first 90 days
Startup Costs | Blank working worksheet | September 6, 2026
https://startup-costs.com/guides/first-90-days/

Result to produce: A weekly cash schedule, the lowest balance and the extra funding needed to retain your chosen minimum.

Business and format:
Address or service area:
Prepared by:
Date:

BEFORE YOU START
Collect opening available cash, payment dates, payroll dates, customer collection terms, planned purchases and restricted amounts. Thirteen weeks cover 91 days; use actual dates when working to a specific 90-day deadline.

CALCULATION INPUTS
Cash available at the start of week 1 (USD):
Minimum cash balance to retain (USD):
Week 1: cash received (USD):
Week 1: cash paid (USD):
Week 2: cash received (USD):
Week 2: cash paid (USD):
Week 3: cash received (USD):
Week 3: cash paid (USD):
Week 4: cash received (USD):
Week 4: cash paid (USD):
Week 5: cash received (USD):
Week 5: cash paid (USD):
Week 6: cash received (USD):
Week 6: cash paid (USD):
Week 7: cash received (USD):
Week 7: cash paid (USD):
Week 8: cash received (USD):
Week 8: cash paid (USD):
Week 9: cash received (USD):
Week 9: cash paid (USD):
Week 10: cash received (USD):
Week 10: cash paid (USD):
Week 11: cash received (USD):
Week 11: cash paid (USD):
Week 12: cash received (USD):
Week 12: cash paid (USD):
Week 13: cash received (USD):
Week 13: cash paid (USD):

Use the guide calculator for formulas and results. Enter your own values and retain the evidence for each assumption.

DECISION RECORD
1. Forecast dates
Start date and the date range represented by every week
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

2. Collection assumptions
Customer, amount, expected clearing date and evidence
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

3. Payment commitments
Supplier or obligation, amount, due date and flexibility
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

4. Cash minimum
Unrestricted balance you need to retain and its purpose
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

5. Lowest week
Balance, main cause and the earlier action deadline
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

6. Weekly update
Actual difference, revised assumption and person responsible
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

DECISION RULES
If: A week falls below the cash minimum
Action: Fund or reduce the shortfall before the earlier payment date.

If: The lowest week contains one large receipt
Action: Run a delayed-collection scenario and inspect daily balances.

If: Actual receipts repeatedly miss the forecast
Action: Revise the demand and collection assumptions before repeating the same plan.

YOUR DECISION
Next commitment:
Conditions still to resolve:
Decision and reason:
Next review date:

Sources and background:
SBA: managing a business: https://www.sba.gov/counseling/manage-your-business/
IRS: business recordkeeping: https://www.irs.gov/businesses/small-businesses-self-employed/recordkeeping

This is a blank personal planning worksheet. Its completion is not an approval, a market estimate or a completed state research record.
The examples and calculator defaults on the guide are authored illustrations. Keep your own evidence and limitations with any result.
Financial information supports planning and education and is not personalized financial, investment, tax or legal advice. Results do not guarantee costs, revenue, profit or financing.