Example and reference only. This calculator produces illustrative estimates to help you plan. Figures are not exact, do not account for your full circumstances, and must not be used to file, remit, or make financial commitments. Confirm every amount with the CRA, Revenu Québec, or your accountant before acting on it. Nothing here is tax, accounting, or financial advice.

Cash flow

13-Week Cash-Flow Forecaster

A quarter is the horizon most owners can actually see. This projects your bank balance week by week and flags the week you run out — including the remittances that catch people off guard.

Lowest point in 13 weeks $23,500 You stay positive across the quarter, with your tightest week at $23,500 in week 13 and closing at $23,500. Worth stress-testing: cut weekly collections by 20% and see what happens.

Week by week
Week	In	Out	Balance
Week 1	$14,000	$9,000	$45,000
Week 2Payroll	$14,000	$21,000	$38,000
Week 3	$14,000	$9,000	$43,000
Week 4Payroll	$14,000	$21,000	$36,000
Week 5	$14,000	$9,000	$41,000
Week 6Payroll	$14,000	$21,000	$34,000
Week 7	$14,000	$9,000	$39,000
Week 8Payroll	$14,000	$21,000	$32,000
Week 9	$14,000	$9,000	$37,000
Week 10Payroll	$14,000	$21,000	$30,000
Week 11	$14,000	$9,000	$35,000
Week 12Payroll	$14,000	$21,000	$28,000
Week 13GST/HST remittance	$14,000	$18,500	$23,500

Remittances are money you collected on the government's behalf, not revenue. If the forecast only works because the GST/HST sitting in your account hasn't been remitted yet, the business is short — move it to a separate account and forecast without it.