Cash-flow planner
Cash-flow planner: dated income, bills and running balance
Start with cash already available. Add future receipts and payments to see when cash falls short, even if the closing balance is positive.
Entries stay in this page's memory. No financial inputs are stored, shared in URLs or sent to analytics.
How the calculation works
Cash is carried forward: opening cash plus included receipts minus payments. Negative balances remain visible. The first breach identifies when the problem starts; the largest gap may occur later. Your buffer is a comparison floor, not an extra expense. We check the opening balance and the balance after each entry, not only at day's end. The first gap amount is the shortage at the first violating entry; a larger gap can occur later on the same date.
Within each date, payments are subtracted before receipts are added. This is a conservative timing assumption, not a bank-clearing rule. Use dates when money is expected to be available or leave the account. Both start and end are included. Within payments and within receipts on the same date, your entered row order is retained.
Do not add receipts already in opening cash or subtract paid bills again. Use one reconciled cash pool, keep outside reserves separate, and avoid counting internal transfers as income and spending. Business or tax reserves are amounts you check yourself; this tool does not calculate them.
Questions about cash timing
Is a confirmed future receipt guaranteed?
No. You mark it yourself; the tool does not verify it. The second view removes uncertain receipts but retains all payments. Neither view guarantees future income.
How is a buffer breach different from a cash shortfall?
A cash shortfall means cash is below zero. A buffer breach means cash is below your chosen floor, even if it is still positive. The buffer is only a threshold: it is not deducted from cash and should not be entered as a payment.
Can a receipt cover a payment on the same date?
The model subtracts payments first, then adds receipts. This exposes a possible gap before that day's money arrives. Actual clearing can differ; check availability yourself. The tool makes no payments.