FREE TOOL / YOUR MONEY TIMELINE
Can your cash
keep up with your shop?
Plan 13 weeks of actual receipts and payments. Then see what happens if money arrives late.
Use the opening balance you can actually spend. A negative opening balance is allowed.
Enter cash when it reaches or leaves the bank. Avoid counting sales and payouts twice.
Shift receipts by one or two weeks. Compare the lowest balance, not just the final one.
All figures are GBP. Put supplier bills, shipping, software, refunds, tax, wages and other commitments in the week they are paid. Tax / wages is a payment category, not an automatic tax calculation.
| Week | Cash in (£) | Stock (£) | Running costs (£) | Tax / wages (£) | Other out (£) |
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| Week 13 |
Your cash story.
Your plan is processed in this browser. Nothing is sent to SellerBundle. Saving is optional; avoid shared devices for confidential figures.
Keep the assumptions honest.
This planning tool calculates weekly closing balances from the figures you enter. It uses 13 relative weeks, not dated invoices or real bank feeds. It excludes automatic VAT, interest, borrowing limits and tax calculations. Model those payments yourself with suitable advice. A cash gap is an estimated timing shortfall, not a solvency assessment.
The delay scenario shifts every cash-in figure equally, including any owner funding you enter. Receipts shifted beyond week 13 are shown separately and are excluded from the closing balance. No saved-plan or CSV data is uploaded, and no public sharing link is created.
Transfers between your own included accounts do not create new cash. Avoid counting a reserve transfer and the eventual bill as two external payments. Update the plan with actual figures weekly.
Where we checked the details
Primary sources checked 11 October 2026. Rules, prices and eligibility can change. Confirm current terms with the official service.