Better Way Alliance · Free Tool

Will your business have enough cash for the next 13 weeks?

This free calculator shows how much cash your business will have, week by week, for the next 13 weeks (about three months). Enter your sales and your costs. You will see when your money may run low, which weeks are hardest, and when you can afford to hire your first employee.

This calculator works in your web browser. You do not need any accounting software.

✓ Works in your browser ✓ Your numbers stay on your device ✓ Download to Excel or Google Sheets

Start here

Step 1

Tell us the basics. We will fill in typical numbers and show only the lines that fit a business your size. Change anything that is not right for you.

🔒 Your numbers stay private on your device. We cannot see them, and nothing is sent to us unless you choose to email yourself a copy or join our newsletter.

Money in, money out

Step 2

Weekly averages are fine. We spread your monthly bills across the 13 weeks the way they really leave your account, so you can see the hardest weeks.

Cash coming in
My sales change week to week
Start from a pattern, then adjust any week. Your average above sets the size.
Cash going out
See GST/HST rates by province
🌱
Thinking about your first employee?
See the real cost, and when you can afford it.

Your 13-week picture

Estimate
This is a directional estimate to help you plan, not a guarantee. The numbers are based on what you entered. Check with your accountant before making a hiring, loan, or other big money decision.
Your cash, week by week

What is included

Switch any cost on or off to see how it changes your cash. The total updates as you go.
Cash after 13 weeks
See the week-by-week numbers

Keep your work

Step 3

Save your work here to continue later. Or download a spreadsheet with your numbers already filled in. The spreadsheet keeps working in Excel, Google Sheets, or any other spreadsheet program.

Saved. You can continue later on this device.
You have your file. Want the next free tool when we make it?
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What next

🏆
Good Jobs Quiz
Healthy cash flow is the base. See how your business does on the habits that keep staff and help you grow.
Take the quiz →
🔁
Turnover Calculator
After you hire, losing that person costs a lot. See what staff turnover costs you, and what keeps people.
See the numbers →

Sources & methodology

  • The 13-week view is the standard way to plan short-term cash. It is short enough to see problems early, while there is still time to fix them.
  • Sales tax (HST/GST) uses the rate you set, defaulting to 13% for Ontario. It is added to what customers pay and then sent to the government. This is a simple estimate; your real amount depends on your province, what you sell, input tax credits, and your filing schedule.
  • First-employee costs use 2026 federal rates: employer CPP 5.95% on earnings above the $3,500 exemption, employer EI 2.282% (1.4× the employee rate) up to $68,900 insurable, plus 4% vacation pay. Sources: CRA (CPP), CRA (EI).
  • Ontario Employer Health Tax does not apply to a first employee: eligible employers are exempt on the first $1,000,000 of annual payroll. WSIB rate varies by industry and is editable above.
  • This tool gives an estimate to help you plan. It is not accounting or tax advice. Your real numbers will be different.