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Dashboard
Current cash, safe buffer, ending cash, lowest cash point, runway, funding gap, inventory date, and alerts.
📊 90-Day Planner
The spreadsheet ecommerce sellers should update before the bank account starts screaming.
Forecast the next 13 weeks of revenue, expenses, inventory purchases, ad spend, debt payments, cash runway, trigger alerts, and working-capital gaps without needing a CFO robe or a monastery full of spreadsheet monks.
Workbook architecture
Ten tabs. One job: make cash risk impossible to ignore.
The planner is simple enough for non-finance sellers, but structured enough to produce useful cash-flow decisions.
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Revenue Forecast
Forecast Shopify, Amazon, Etsy, TikTok Shop, Walmart/WooCommerce, and other revenue by week.
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Expense Forecast
Separate COGS, platform fees, shipping, payroll, software, taxes, and operating expenses.
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Inventory Planner
Plan SKU-level restocks using units, sales velocity, lead time, reorder point, unit cost, and purchase week.
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Ad Spend Planner
Track Meta, Google, Amazon, TikTok, influencer, and affiliate spend against revenue and cash runway.
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Debt & Financing
Map loans, advances, credit cards, lines, platform financing, weekly payments, and payment stacking.
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Cash Flow Forecast
The main 13-week engine: beginning cash, cash in, cash out, net cash flow, ending cash, gap, and status.
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Funding Trigger Alerts
Plain-English alerts when forecast conditions suggest a possible working-capital timing gap.
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AI Automation Prompts
Ready-to-use prompts for weekly reviews, scenario planning, funding gap diagnosis, and cash preservation.
Formula engine
The boring math that prevents exciting emergencies.
These are the core formulas behind the planner. They are not fancy. That is the point.
Core cash equation
Beginning Cash + Cash Inflows - Cash Outflows = Ending CashEnding cash from one week becomes beginning cash for the next week.
Funding Gap
=MAX(0, Minimum Cash Threshold - Lowest Ending Cash)Shows how far the forecast dips below the seller’s safe cash buffer.
Suggested Planning Amount
=Funding Gap × (1 + Cushion %)Adds a cushion for messy data, timing risk, and ugly little ecommerce surprises.
Days Cash Runway
=Ending Cash / Average Daily Cash OutTurns cash balance into time, because bills care about dates.
Cash Flow Status
Critical if cash < 0
Red if cash < threshold
Yellow if runway < target
Watch if net cash flow < 0
OK otherwiseConverts spreadsheet rows into a plain-English operating signal.
Inventory Purchases by Week
=SUMIF(Planned Order Week, Current Week, Purchase Cost)Pulls purchase orders into the exact week they hit cash.
Warning system
Pretty colors are useless unless they punch you in the face at the right moment.
Conditional formatting should make cash-flow problems visually obvious without turning every cell into a circus.
OK
Watch
Yellow
Review
Red
Critical
Missing
Cash Negative
Dark red. White bold text. Stop scrolling and deal with it.
Below Threshold
Red alert when ending cash drops below the seller’s minimum safe buffer.
Ad Spend High
Orange/yellow when ad spend runs hot against net revenue or cash flow.
Restock Now
Red when weeks of cover falls inside supplier lead time plus buffer.
Missing Inputs
Gray/purple when required assumptions are blank or unreliable.
Debt Pressure
Orange when 90-day payments are high versus net revenue.
Sample data
Thread & Timber Co. shows the trap in plain English.
Use the fictional sample data to test formulas, create screenshots, build walkthroughs, and show sellers what a completed forecast looks like.
Sample profile
Shopify 60%Amazon 25%Etsy 10%TikTok Shop 5%Beginning Cash $25,000Minimum Threshold $10,000Planning Cushion 15%
Stress event
Week 4 inventory purchase hits. Week 5 and Week 6 cash tightens. Week 7 ads increase again. Payment obligations continue weekly. Translation: revenue grows while cash gets squeezed by timing.
Weekly workflow
Twenty minutes a week beats a month of financial cleanup.
Update the boring numbers before the business turns into a scavenger hunt for cash.
Update actual cash
Update revenue
Update payout expectations
Update expenses
Update inventory and POs
Update ad spend
Update debt payments
Review forecast
Review funding alerts
Paste results into GPT
Next move
Use the planner first. Then make the GPT tell the truth.
The spreadsheet gives the numbers structure. The prompt library turns that structure into weekly decisions.