MosoFin skill · cash-flow-forecast-13-week · learning guide

From one week's chain to the week that breaks the floor

This page shows how the skill forecasts the money in your bank, one level at a time. It starts with one week of cash in and cash out. It ends with a forecast that rolls forward after a week of real receipts. The page quotes every rule from the skill itself. It also works every number in front of you.

The rules are the skill's ownThe page quotes each rule word for word, with the file and section it comes from.
Outside sources back the factsThey are a Federal Reserve survey, IRS and Labor Department pages, Nacha, a Federal Reserve regulation, an international accounting standard and QuickBooks help. Each one has a number and a link.
The page shows the mathOpen "Check it yourself" on any level. Follow every line on a calculator.
Your numbers, your checkAt the end, enter your own 13 weeks. The page runs the same chain.
Rule: quoted from the skill Fact: from a cited authority, numbered like 1 Example: made-up figures, calculated in full
How it thinks

Fourteen rules the whole skill runs on

Every level below applies one or more of these rules. The examples use one company, Northbrook Trading, and one forecast of 13 weeks from Monday 6 October. Its floor is a covenant of $150,000, measured on cash net of restricted cash. Its opening available cash is $182,400: the Operating account at $151,900 plus the Savings account at $30,500. The Tax Reserve account holds $24,000 of restricted cash, so the skill leaves it out.

Learning path

Six levels, from simple to complex

Check it yourself

Put in your own 13 weeks

Enter your opening cash, your floor, and the receipts and disbursements you expect in each week. Or load the Northbrook example. The page runs the chain week by week and finds the lowest point, the headroom and the runway. The page sends nothing anywhere.

The starting point

Leave the floor empty if you have none. The page then tests only the weeks below zero.

Each week, as you expect it to hit the bank
WeekReceipts inDisbursements out

Each week the page computes closing = opening + receipts − disbursements, and the next week opens at that closing. Headroom is closing − floor. The runway is the first week whose closing is below zero, or "not within the horizon". The page says "ties" when the sum of the 13 weekly net flows equals closing cash in week 13 minus opening cash in week 1. The "Northbrook, October" preset is the grid used in every level above.

Using it

What it asks, needs and gives back

Asks firstDo you want to use MosoFin for this run, or upload the data yourself? Which accounts count as available cash, and is any cash restricted? What is your payroll calendar: pay dates, net pay, tax remittance dates and benefit dates? Which debt payments, tax due dates and other large one-off payments fall inside the horizon? What is your minimum cash floor, is it a covenant or your own preference, and how does it define cash? Do you have a credit facility, and is the horizon 13 weeks?
NeedsThe skill needs your opening cash by account, with restricted accounts marked. It needs your open invoices and bills with their due dates, and the payment history that measures days-to-pay. It needs the payroll calendar, debt service, tax dates, the floor and the facility typed in, because no ledger holds them. Twelve months of cash account activity makes the result better.
Gives backThe skill gives back seven sheets. They are the 13-week forecast, the collection detail with each customer's days-to-pay and sample size, and the disbursement detail. Then come the liquidity alerts, the sensitivities, the forecast-versus-actual tracker and a coverage sheet. It asks before it makes an Excel file.
NeverThe skill never draws on a facility, schedules a payment or defers anything. It never defaults the opening balance, the floor, the payroll amounts or the entity. It never puts payroll or a tax remittance on the lever list. It reads nothing before you answer its questions and say yes.
Sources

Where every fact on this page comes from

The rules are the skill's own. The facts below come from eight outside sources. They include a Federal Reserve survey, two IRS and Labor Department pages, the ACH network operator and a Federal Reserve regulation. The others are an international accounting standard and two QuickBooks help pages. MosoFin checked each one on 27 October 2026 official source pages and reviewed the linked sources on 27 October 2026. Follow each link for the latest wording.

    Not backed by an outside authority. The 13-week horizon as a default, the weekly chain and the days-to-pay method are the skill's own rules. So are the lever list, the seven output sheets and the rule that payroll never goes on the lever list. The page marks them as the skill's where they appear.