See the week your cash runs short while there is still time to act
A monthly profit and loss statement can look healthy while week three of the month is empty. Salaries leave on the 1st, your biggest customer pays on the 20th, GST goes out after month end — and none of that timing shows up on a monthly view. CashFlow Compass turns your monthly sales and costs into thirteen weekly closing balances. Each of your revenue lines carries its own collection lag and bad-debt percentage; each cost line carries its own payment lag. The engine shifts every line into the week the money actually moves, adds GST output minus input with your filing lag, folds in one-off capex and refunds, and prints the answer: opening cash, closing cash, your buffer, OD headroom and an OK / BELOW BUFFER / NEGATIVE status for each week. A dashboard turns it into one plain-English sentence, twelve numbers and two charts. A scenarios tab runs Base, Slow and Stress as three complete engines, so you can price a bad quarter before you live it. Macro-free, offline, and it opens in Google Sheets.
One-time ₹249 ₹799 · instant download
Profitable on paper, short of cash on Friday
A business can be profitable and still miss payroll. The two things that decide whether you make it through the month are timing and lags: when customers actually pay you, and when you actually pay everyone else. A monthly profit and loss statement averages all of that into one number and quietly hides the two weeks where the account is thin.
Most small businesses run the forecast in their head. The result is a decision made on a bad morning — a supplier paid late, a discount given away, an overdraft drawn at the worst possible rate. Thirteen weeks is the horizon that fixes this. It is one quarter: long enough to see a squeeze coming, short enough that the numbers are still close to true. You can plan for week 4 on the 1st of the month; you cannot do much about week 4 once week 4 has arrived.
CashFlow Compass exists to make that quarter visible in about ten minutes of setup, using the numbers you already know — your monthly sales, your monthly costs, and how long each of them takes to move through the bank.
Seven tabs, each doing one job
Business name, the start Monday, opening bank balance, the buffer you refuse to go below, your undrawn CC/OD limit, and four GST settings: registered or not, the sales rate, the purchase rate you can claim, and your filing lag in weeks. Nothing else on this tab needs editing.
Six revenue lines and twelve cost lines, each with a monthly amount, an annual growth rate, and its own lag in weeks. Revenue lines also carry a bad-debt percentage; cost lines carry fixed-or-variable and whether input GST credit is claimable. Six one-off slots take capex, refunds and advances with the week they land.
Thirteen week columns with real dates, then sales invoiced, collections after lag and bad debt, costs billed, payments after lag, GST accrued and paid, one-offs, total money in, total money out, and the four rows that answer the question: opening cash, closing cash, your buffer, OD headroom — plus a per-week status.
One gold line at the top that reads your own numbers back to you in plain English: CLEAR, WATCH or ALERT, with the week and the rupee amount. Below it, twelve metrics including lowest closing balance, the week it happens, extra cash needed and GST payable. Then five health checks and two charts.
Not an estimate: three complete thirteen-week engines driven by four dials each — sales multiplier, cost multiplier, extra collection delay, extra payment delay. The Slow case is 85% of plan with two extra weeks of collection; the Stress case is 70% with four extra weeks and stretched suppliers. Each returns lowest cash, gap and verdict.
Type what really hit the bank each Monday and the sheet returns the variance on inflows and outflows, the real closing balance, and a forecast-accuracy percentage. Below 85% on the inflow side means your collection lags are optimistic, and the sheet says so.
The conventions the model uses, the order to fill the tabs, the three habits that make a forecast worth having, the colour code, and what the workbook deliberately does not do.
The example workbook, as it opens
| Week | 1 | 2 | 3 | 4 | 5 | 6 | … |
|---|---|---|---|---|---|---|---|
| Money in | 92,379 | 3,27,021 | 1,83,603 | 3,20,245 | 4,05,648 | 3,21,052 | … |
| Money out | 1,27,945 | 1,60,434 | 2,86,480 | 4,33,525 | 3,13,884 | 3,14,243 | … |
| Closing cash | 3,89,434 | 5,56,021 | 4,53,144 | 3,39,863 | 4,31,626 | 4,38,435 | … |
| Status | OK | OK | OK | OK | OK | OK | … |
Sample figures from the example workbook — a fictional trading and service business, four revenue lines, ten cost lines, one-off capex in week 4. Replace them with your own; every cell is editable and nothing is locked.
One ZIP, five files, nothing to subscribe to
CashFlow-Compass-Template.xlsx — blank, ready for your numbers. CashFlow-Compass-Example.xlsx — the same seven tabs filled in for a fictional business, so you can see a tight week and a clear week before you trust your own.
START-HERE.txt walks you through setup in ten minutes, step by step. README.txt explains how every calculation works, how to read the signal, the Monday ritual, Google Sheets steps and a troubleshooting list.
LICENSE.txt — one business or one professional, unlimited internal use, unlimited years, no resale or redistribution. Eight clauses, plainly written.
No hidden steps. The engine is one row per line per week, all visible: sales row, collections row, cost row, payments row. You can trace any closing balance back to the assumption that produced it, and every formula is unlocked if you want to change one.
No password protection and no macros, so the file will not be blocked by a corporate mail filter or a security warning. Insert a row, rename a line, add a seventh revenue line — the totals are SUM ranges, not fixed lists.
If money comes in later than it goes out, this is your sheet
Stock bought on 14-day credit, sold to distributors on 45-day terms, salaries on the 1st. The mismatch is the business model — this sheet makes it visible week by week.
Milestone billing, retention held back, material bought up front. The one-off table takes the machine you must buy in week 4 and the advance that arrives in week 2.
Retainers billed at month start, paid in seven days; salaries and rent on the 1st; a big client who pays in sixty. Run the Slow case before you hire.
Cash at the counter, insurance or corporate panels paying late, equipment EMIs on a fixed date. Fixed versus variable is a column, so the dashboard splits both.
A structured thirteen-week file you can fill from a client's Tally export in twenty minutes, and hand back as a PDF with two charts on it. Multi-client licence available.
Banks and NBFCs ask for a cash flow projection, not a P&L. This gives you the weekly closing balances, the headroom figure and a printed dashboard to attach.
Setup in ten minutes, ten minutes every Monday after that
The maths, so you can trust it. Each monthly figure is divided by 4.33 to reach a weekly figure, then grown at your annual rate week by week. A revenue line with a three-week collection lag contributes nothing in weeks 1 to 3, and in week 4 collects what was invoiced in week 1, less the bad-debt percentage you set. Costs work the same way with the payment lag. GST is output tax on invoiced sales minus input credit on the cost lines you marked claimable, with the positive part paid after your filing lag. Headroom is closing cash plus undrawn OD limit minus your buffer — the amount you could absorb before you break your own floor.
The weekly ritual. Every Monday: type last week's real money in and out on the actuals tab, glance at the accuracy score, move the start date forward one Monday, and read the new signal line. Four weeks of that and the forecast starts being right, which is when it becomes worth something. The manual says this too, because a forecast you do not update is a decoration.
The order of moves when it says WATCH or ALERT. Chase the three largest overdue invoices. Offer a small early-payment discount on the biggest one. Shift a non-critical payment run by seven days — never statutory dues, never payroll. Draw the OD line before you need it rather than after. Delay growth spend last. The workbook names the week and the gap; the manual lists the levers; the decision stays yours.
Plain .xlsx, no lock-in, no macros
One ZIP containing two .xlsx workbooks (Office Open XML), a quick-start text file, a full manual and a licence. Unzips on Windows, macOS, Linux, Android and iOS with the built-in tools — no extra app needed.
Microsoft Excel 2016 or later on desktop, Microsoft 365, Excel for the web, LibreOffice Calc 7 and later, and Google Sheets. Both workbooks are tested in Excel and LibreOffice; the Google Sheets steps are in the manual.
Every calculation is a standard formula — SUM, INDEX, SUMIFS, SUMPRODUCT, IF. Nothing needs enabling, no security warning appears, and the file opens in a corporate environment that blocks .xlsm.
Every tab is set to A4 with fit-to-width, so the dashboard prints on one landscape page with both charts — ready to sign and hand to a bank or an investor.
Amounts in whole rupees with Indian grouping (12,50,000). Dates in dd-mmm-yy. Thirteen weeks starting on the Monday you choose.
Not accounting software and not a filing tool. It does not compute GST returns, TDS, PF/ESI or loan covenants, and it is not financial, tax or legal advice. Your forecast is only as good as the assumptions you enter — the manual is honest about that.
One purchase, one business, forever
Your purchase covers use by one business or one practising professional, on any number of your own devices, for as long as you like, with no renewal. You may edit every cell, print or export the output for your bank, lender, investor or accountant, and share that printed output freely. You may not resell, redistribute or republish the workbooks, upload them to a file-sharing site or a template marketplace, or include them in a paid course or client deliverable — consultants and CAs using it with clients need one licence per client business. Full terms are in LICENSE.txt inside the ZIP.
One-time payment · Lifetime access · No subscription
Your purchase is protected
Your download is ready the second your payment succeeds — one ZIP with both workbooks, the quick start, the manual and the licence.
No password protection, no hidden sheets, no macros. Every formula is visible and editable, and the file will not trigger a security warning.
One payment, and the file is yours to keep and to use for as many years and as many forecasts as you like.
If a tab misbehaves or a chart will not re-point after you edit, email us with the tab and cell reference — one reply usually settles it.
A working file. The ZIP contains two macro-free .xlsx workbooks — one blank template and one filled-in example — plus a quick-start, a full manual and a licence. You open it in Excel or Google Sheets and type your own numbers.
No. You type into gold cells only: your opening cash, your buffer, your revenue and cost lines with their lags, and any one-off items. Every calculation, chart and colour code is already built. If you want to change a formula you can — nothing is locked or password-protected.
Because a monthly view hides the bad week. Salaries leave on the 1st, your biggest customer pays on the 20th, GST goes out after month end — a month can close healthy while week three is empty. Thirteen weeks is one quarter: long enough to see a squeeze coming, short enough that the numbers are still roughly true.
It computes output GST on your invoiced sales at the rate you enter, subtracts input credit on the cost lines you mark as claimable, and pays the positive net amount after the lag you set. Negative weeks are held at zero rather than carried forward, which keeps it simple. Your actual liability comes from your returns, not from this sheet.
Yes. Upload the .xlsx to Drive, open it, then File > Save as Google Sheets. Formulas, number formats, dropdown validation and both charts carry over. After import, re-apply the custom rupee format on a few cells and re-point the chart titles if Google has renamed the ranges — the manual explains both in one line each.
They are the same seven-tab workbook. The example is filled in for a fictional trading and service business called Sunrise Traders, so you can see a real forecast with a tight week before you type anything. The template is blank. Use the example to learn, the template to work.
The signal line names the week and the size of the gap, and the manual lists the order of moves that usually works: chase the three largest overdue invoices, offer an early-payment discount, shift a non-critical payment run by a week, draw the OD line before you need it. It does not decide for you, and it is not financial advice.
One business or one practising professional, on any number of your own devices, for as long as you like. Consultants and CAs using it with clients need one licence per client business — write to us for a multi-client licence.
After a successful payment on Razorpay you land on a thank-you page with a download button. Click it and the ZIP is yours immediately. There is no account to create and no email to wait for.
No. One payment of ₹249, no renewal, no expiry, no per-user fee. You keep both workbooks and can run the forecast for as many years as you like.
Digital products are non-refundable once downloaded. But if a file arrives corrupted or will not open, or you were charged incorrectly, email lonefaisal977@gmail.com within 7 days and it will be replaced or resolved.
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One-time ₹249 · Excel + Google Sheets · Template, worked example, manual & licence included.
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