Cash Flow Forecast

Build a 13-week rolling cash flow forecast from your actual numbers.

3,891 stars

Complexity: easy

About this skill

This AI agent skill is designed to create a comprehensive 13-week rolling cash flow forecast. By taking your current bank balance, expected income (with dates), fixed expenses (with dates), variable expense ranges, and a minimum cash buffer, the agent projects your weekly cash positions for the next quarter. It goes beyond simple projection by actively flagging weeks where your closing balance will dip below your defined safety buffer, providing critical early warnings. Users interact with the agent by providing their specific financial data points. The agent then processes this information, distributes monthly expenses appropriately, uses midpoints for variable expense ranges, and generates a detailed week-by-week table. This table includes opening balance, cash inflows (by source), cash outflows (by category), net change, closing balance, and a clear buffer status indicator (✅, ⚠️, 🔴). The skill is particularly valuable for founders monitoring their burn rate, agencies managing irregular contract revenue, or any business prone to unexpected cash shortages. It not only forecasts but also calculates runway (weeks until cash hits zero) and suggests actionable steps like delaying payments or accelerating invoicing when deficits are projected, offering a proactive approach to financial management.

Best use case

This skill's primary use case is proactive financial planning and risk management for businesses. It empowers founders, small business owners, and agencies to gain clear visibility into their near-term cash flow, identify potential liquidity issues before they become critical, and make informed decisions to maintain financial stability. It's ideal for anyone who needs to manage working capital effectively and avoid being surprised by cash crunches.

Build a 13-week rolling cash flow forecast from your actual numbers.

Users should expect a detailed 13-week cash flow forecast table, a summary of their financial position and runway, and specific action recommendations for weeks identified with potential cash deficits.

Practical example

Example input

Generate a 13-week cash flow forecast. My current bank balance is $50,000. Expected income includes $15,000 from Client A on Oct 15th, $10,000 from Client B recurring monthly on the 1st. Fixed expenses: Rent $3,000 on 1st of month, Payroll $10,000 bi-weekly starting Oct 5th. Variable expenses: $1,000-$2,000 weekly for marketing. Minimum cash buffer: $20,000.

Example output

Summary:
Current Balance: $50,000
Estimated Runway: 18 weeks
Risk Weeks: Week 5 (🔴 below buffer), Week 9 (⚠️ within 20% of buffer)

Week-by-week Forecast (partial):
Week | Opening | Cash In | Cash Out | Net Change | Closing | Status
----------------------------------------------------------------------
1    | $50,000 | $0      | $3,000   | -$3,000    | $47,000 | ✅
2    | $47,000 | $0      | $11,500  | -$11,500   | $35,500 | ✅
3    | $35,500 | $15,000 | $1,500   | $13,500    | $49,000 | ✅
...

Risk Alerts:
- Week 5 (Oct 29-Nov 4): Closing balance drops to $18,000 (🔴 below $20,000 buffer). Recommendation: Delay $5,000 discretionary spend scheduled for this week, or accelerate Client C invoice due in Week 6.
- Week 9 (Nov 26-Dec 2): Closing balance drops to $22,000 (⚠️ within 20% of $20,000 buffer). Recommendation: Review upcoming expenses for potential cuts, or explore short-term financing options.

Scenario Comparison (Week 5):
- Best Case (All income on time): Closing balance $25,000
- Worst Case (Client A income delayed 2 weeks): Closing balance $10,000

When to use this skill

To proactively monitor your business's short-term liquidity.
When managing irregular income streams or lumpy contract revenue.
To identify potential cash deficits and plan preventative actions.
For founders tracking their burn rate and overall financial runway.

When not to use this skill

For long-term strategic financial planning beyond a quarter.
When highly complex accounting or advanced financial modeling is required.
If you need to analyze historical financial performance in detail.
As a substitute for professional financial advice or audited statements.

Installation

Claude Code / Cursor / Codex

$curl -o ~/.claude/skills/afrexai-cash-flow-forecast/SKILL.md --create-dirs "https://raw.githubusercontent.com/openclaw/skills/main/skills/1kalin/afrexai-cash-flow-forecast/SKILL.md"

Manual Installation

Download SKILL.md from GitHub
Place it in .claude/skills/afrexai-cash-flow-forecast/SKILL.md inside your project
Restart your AI agent — it will auto-discover the skill

How Cash Flow Forecast Compares

Feature / Agent	Cash Flow Forecast	Standard Approach
Platform Support	Not specified	Limited / Varies
Context Awareness	High	Baseline
Installation Complexity	easy	N/A

Frequently Asked Questions

What does this skill do?

Build a 13-week rolling cash flow forecast from your actual numbers.

How difficult is it to install?

The installation complexity is rated as easy. You can find the installation instructions above.

Where can I find the source code?

You can find the source code on GitHub using the link provided at the top of the page.

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SKILL.md Source

# Cash Flow Forecast

Build a 13-week rolling cash flow forecast from your actual numbers.

## What It Does

Takes your current bank balance, expected income, and recurring expenses — then projects weekly cash positions for the next quarter. Flags weeks where you'll dip below your safety buffer.

## How to Use

Tell your agent:
- Current bank balance
- Expected income (contracts, recurring revenue, one-time payments) with dates
- Fixed expenses (rent, payroll, subscriptions, loan payments) with dates
- Variable expenses (estimated ranges)
- Minimum cash buffer you want to maintain

The agent builds a week-by-week forecast table showing:
- Opening balance
- Cash in (by source)
- Cash out (by category)
- Net change
- Closing balance
- Buffer status (✅ above minimum / ⚠️ within 20% / 🔴 below)

## Prompt

```
You are a cash flow forecasting agent. When the user provides their financial inputs, build a 13-week rolling cash flow forecast.

Rules:
1. Week 1 starts from the current date (Monday-Sunday periods)
2. Distribute monthly expenses across their due weeks
3. For variable expenses, use the midpoint of the range
4. Flag any week where closing balance drops below the stated minimum buffer
5. Calculate runway: how many weeks until cash hits zero at current burn rate
6. Suggest specific actions if any week shows a deficit (delay payments, accelerate invoicing, cut discretionary spend)

Output format:
- Summary: Current position, runway, risk weeks
- Week-by-week table (opening, in, out, net, closing, status)
- Risk alerts with recommended actions
- Scenario comparison: best case (all income arrives on time) vs worst case (income delayed 2 weeks)

Be direct. Use real numbers. No fluff.
```

## Who This Is For

- Founders tracking burn rate
- Agencies with lumpy contract revenue
- Any business that's been surprised by a cash crunch

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