Elementum

Cash-Flow Forecast.

Lay out, week by week or month by month, when money actually lands and when it actually leaves, so a cash squeeze shows up weeks ahead instead of the morning it hits.

First in Manage Cash Flow, and refreshed on a regular rhythm thereafter. This tracks cash in the bank, which is different from the budget: the budget is about the year adding up, this is about money being there on the day you need it.

Starting point

Cash in the bank today

Of that, truly available (from the True Available Cash Calculator)

Money in, by when it actually arrives

For each expected inflow: the amount, and the month it truly lands, not when it is earned. Use real payment patterns, including how late your funders actually pay

Money out, by when it actually comes due

Payroll, rent, insurance, and other steady costs, by month

Large or one-time payments, by the month they fall

Project the balance and mark the low points

Period ahead

Starting cash

Money in

Money out

Ending cash

Where does the projected balance dip toward or below zero, and how deep and how long is each dip?

Refresh this regularly, at least monthly, because a forecast goes stale fast. The point is not precision, it is warning: seeing the dip in time to do something about it. Uses the True Available Cash Calculator for its starting free cash. Feeds the Months-of-Cash Calculator and the Working-Capital Gap Guide.

Your answers stay in your browser on this page and are never sent anywhere. Use Save or print to keep your copy.

Back to Manage Cash Flow, or start over from the welcome page.