Contractor cash planning
Build a 13-week forecast, check work in progress against your books, and prepare a review packet.
Free to use. No account required.
Calculation methods and data storagePlanning workspace
Cash assumptions
Enter expected cash receipts, not invoices sent. Exclude retainage until you expect it to be released.
Review collection dates, upcoming commitments, and available funding for a $34,400 reserve gap.
$110,000 of planned receipts move beyond week 13; they are delayed, not lost.The next 13 weeks
Direct costs: labor, materials and subcontractors. Other outflows: overhead, taxes, debt and owner draws.
Paste 13 weeks from a spreadsheet
Copy three columns: receipts, direct costs, other outflows. Spreadsheet cells separated by tabs may include dollar signs and grouped commas, such as $20,000.00. For comma-separated rows, use plain numbers such as 20000.00. An optional first column can contain week numbers 1–13.
| Week | Cash receipts ($) | Direct costs ($) | Other outflows ($) | Expected cash | Stressed cash |
|---|---|---|---|---|---|
| 01 | $78,500 | $60,800 | |||
| 02 | $72,000 | $26,600 | |||
| 03 | $95,500 | $7,400 | |||
| 04 | $74,000 | -$1,800 | |||
| 05 | $72,500 | $19,000 | |||
| 06 | $106,000 | -$5,200 | |||
| 07 | $94,500 | -$9,400 | |||
| 08 | $93,000 | $21,400 | |||
| 09 | $121,500 | $7,200 | |||
| 10 | $115,000 | $3,000 | |||
| 11 | $118,500 | $28,800 | |||
| 12 | $152,000 | $19,600 | |||
| 13 | $165,500 | $20,400 |
Include every cash outflow once. This is a weekly planning model, so a positive week-end balance can still hide a midweek shortfall. WIP figures are reviewed separately and do not automatically change this forecast.
Using the workspace
Plan the cash
Update the next 13 weeks with your expected receipts and payments. Test a delay before it happens.
Review the WIP
Review underbillings, cost to complete, and loss-making jobs alongside your WIP schedule.
Prepare the packet
Save your plan, gather the supporting documents, and take the summary to your next review.
How the calculations work
BondSBA helps you prepare. Your accountant, lender and surety make their own assessments.
How does the cash stress test work?
Each week ends with opening cash + receipts − direct costs − other outflows. The stress scenario shifts all receipts by the selected number of weeks and increases direct costs by the selected percentage. The reserve gap is the difference between your reserve and the lowest balance, including today. It is not a credit recommendation.
How is WIP calculated?
Percent complete = cost to date ÷ estimated total cost. Earned revenue = percent complete × contract value. Underbilling = earned revenue − billed amount, when positive. Overbilling is the reverse. Cost to complete = estimated total cost − cost to date. This simplified model does not include every accounting adjustment.
Read NASBP’s WIP guidance ↗Where does my data go?
This workspace does not upload your inputs. Save on browser uses local storage on this device; anyone with access to the same browser profile may see it. Backups contain your data. There is no cloud sync or account recovery. Delete the saved copy here whenever you want.
Does this get me approved for a bond?
No. This is a preparation tool. It does not issue bonds, estimate your bonding capacity or certify SBA eligibility. SBA’s program works through participating sureties and agencies.
Read the SBA program overview ↗