See your cash future, so you stop being surprised and can act before a shortfall arrives instead of during it.
Project cash in and cash out forward, week by week or month by month. Cash in is expected collections, sales, and other receipts. Cash out is payroll, suppliers, rent, loan payments, taxes, and owner draws. Each period's closing cash becomes the next period's opening cash.
| Period | Opening cash | Cash in | Cash out | Closing cash |
|---|---|---|---|---|
| Week or Month 1 | ||||
| Week or Month 2 | ||||
| Week or Month 3 | ||||
| Week or Month 4 and on |
The closing-cash line is the whole point. A negative or dangerously low figure ahead is a shortfall you can now act on early rather than discover at the bank. When you spot one, work the forecast: accelerate collections, delay non-essential spend, or arrange financing before you are desperate. A forecast you build but never act on is just tidy anxiety.
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