Stop Getting Blindsided by "Surprise" Cash Crunches

The Week Your Cash Gets Tight: See It Coming 90 Days Out

Last month, payroll hit the same week as your quarterly tax payment and annual insurance renewal.

You're not running out of money. But you keep having cash scares.

That's the problem with monthly runway calculations. They miss the timing.

The 13-Week Cash Flow Tracker shows you when cash actually moves, not just how much you have.

I built these for Amazon China as we scaled from $15M to $50M. Then for Groupon across 12 Asia-Pacific markets. Now I build them for B2B SaaS founders who are tired of cash surprises."

Three expenses hit the same week. Payroll + hosting + tax payment = -$72K. Your cash balance tanks.

You delay invoices. Not because you're broke, but because you didn't see the cluster coming.

You make decisions blindlyand . Should we hire this month or next? You're guessing.

Monthly burn rate: $45K. Comfortable.
Week 9 reality: -$72K out, $55K in. Suddenly tight.

You were thinking in months. Your expenses hit in weeks.

Here's what happens if you don't fix this:

  • Next quarterly tax payment + annual tool renewals = another cash scare in 6 weeks
  • You delay the senior hire you need because you're uncertain about cash
  • Your co-founder asks "can we afford this?" and you're giving gut-feel answers, not data

Or you could spend 15 minutes today and see exactly which weeks are tight for the next 90 days.

Introducing: The 13-Week Cash Flow Tracker

It shows you when cash moves

In 15 minutes, you'll see:

✅ Which weeks are expensive (when payroll, renewals, and taxes stack)
✅ Your tightest week (the low point you need to plan around)
✅ Whether you're declining or just hitting lumpy weeks
✅ When annual prepay customers smooth everything out
✅ Red/yellow/green highlighting (danger zones vs comfortable weeks)

You're not panicking. You're planning.

Three Steps to Cash Visibility

1. Enter your opening cash balance (what's in the bank today)

2. Map your cash reality

  • When do customers actually pay? (Stripe hits instantly, invoices take 30 days)
  • When do YOU pay? (Payroll = 1st and 15th, AWS = 3rd of month, Hubspot annual = June)
  • The one-time killers: Quarterly taxes, annual insurance, that conference booth you committed to

3. Watch the forecast

  • Closing balance calculated for the next 13 weeks
  • 🟢 Green = comfortable, 🟡 Yellow = tight, 🔴 Red = needs attention
  • See exactly which weeks require planning

Bonus: Pre-filled example shows realistic SaaS patterns so you know what to expect.

WHAT YOU GET


🎯Your 13-week cash flow tracker (Google Sheet you own - no logins, no data sharing)

🎯Pre-filled SaaS example showing real patterns (quarterly renewals, annual insurance, bi-weekly payroll)

🎯Setup guide with the expenses that blindside founders most often

🎯 Auto-calculated metrics (tightest week, cash swing, weekly burn)

Takes 15 minutes to set up. Prevents weeks of cash anxiety.

✅ It's free
✅ Instant download
✅ Your data stays private (Google Sheet you own)

Frequently Asked Questions

Q: How is this different from "cash ÷ burn rate"?
A: That gives you average months. This shows weekly timing. Week 9 might drop you to $50K even with "4 months of runway."

Q: Do I need exact numbers?
A: No. Estimates work. You'll see patterns.

Q: How often do I update it?
A: Weekly is ideal. Monthly works. Simply drop off the week past and add on a new week at the start of each week.

Q: Do you need to be a finance expert to use this?
A: Not at all. This is designed for non-financial experts. You can use your accounting system (like Xero) to get the ball rolling.

Stop Flying Blind on Cash Timing

**Download the 13-Week Cash Flow Tracker**

Want the full financial health picture?

The Financial Health Diagnostic shows gaps across 8 dimensions—not just cash timing.
Book your diagnostic →

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