Cash Forecast
13-Week Cash Forecast
Two views of the same forecast: a weekly projection using blended average receipts, and a daily model that captures the intra-month payroll cycle.
Overview
Current Cash
Weekly Low
Daily Low (with payroll)
The weekly forecast smooths over intra-month swings. The daily low — which accounts for the payroll trough — is the real stress test.
Daily cash forecast
The daily model uses 6-month historical averages for each day of the month — capturing recurring patterns like a payroll trough and collection peaks where the bank history shows them. The sawtooth pattern is the real cash experience.
Weekly forecast
Receipts use the higher of known AR or average weekly collections (6-month history). Outflows use average weekly bank spend including payroll, tax, and all other payments.
Monthly cash cycle
The bank history shows a repeating intra-month pattern: the heaviest average outflows land around day 25, and the cumulative low point falls around day 12 — roughly R2,114,577 below the intra-month peak. That trough, not the month-end balance, is the real stress test.