The 13-week liquidity plan is the standard when it comes to short-term solvency: a quarter of outlook, week by week, based on real cash flows. Banks ask for it, restructuring advisors assume it — and in well-run companies it lets finance leaders know every week whether the cash is enough.
What is a 13-week liquidity plan?
A 13-week liquidity plan sets the expected cash in and out against the available balance for each of the next 13 weeks. The result is a closing balance per week — and, over 13 weeks, a curve where you can read off the lowest point of your liquidity.
13-week grid with low-point alert — ready to use.
Why exactly 13 weeks?
13 weeks is a quarter — a horizon that fits reporting rhythms as well as interest and tax dates. Weekly granularity reveals what monthly planning hides: if wages go out on the 15th but the big customer payment only arrives on the 28th, the monthly balance shows an unremarkable surplus — yet the week in between can still be below zero.
Structure of the table
Each row is an item, each column a calendar week. Opening balance plus cash in minus cash out gives the closing balance — which is also the opening balance of the following week.
| Item (€) | Wk 31 | Wk 32 | Wk 33 |
|---|---|---|---|
| Opening balance | 610.000 | 380.000 | 180.000 |
| + Cash in | 190.000 | 220.000 | 460.000 |
| − Cash out | 420.000 | 420.000 | 300.000 |
| = Closing balance | 380.000 | 180.000 | 340.000 |
The low point in week 32 is the value to watch: if it drops below your minimum reserve, you need a plan — and thanks to the two months of lead time, you still have options.
LiquidityLens builds the 13-week outlook automatically from your real numbers — rolling, live, with a low-point alert.
See the Liquidity Control Sprint