Sun, Sep 6 — the tightest day ahead.
Cash flow
Cash-flow forecast
Payroll, bills and materials going out; deposits, invoices and plans coming in — your balance day by day, and the first day it falls below its safety buffer.
Safe
Stays above your $5,000 buffer for the next 90 days.
- Next warning
- None in 90 days Checked past the edge of the chart, not just inside it.
- Headroom above buffer
- $6,908 At the lowest point in 90 days, against a $5,000 buffer.
- Funding needed
- $0 Nothing needed — the movements clear the buffer on their own.
Projected account balanceOnly 35% of the money moving here is confirmed, so treat the line as a shape rather than a schedule. Balance last updated today.
Adjust the dot on the left to change today’s balance, or the dashed line to move your safety buffer. Select a marker to see what happens that day.
Projected balance Confirmed money only Safety buffer Confirmed event Estimated event
Add more lines
Advanced settingsThe numbers this forecast is built on$18,400 in the bank$5,000 buffer$10,000 credit
Sun, Sep 6 — past the edge of the 30-day chart, which is why it is here.
$56,370 in and $32,304 out.
What you need today to stay above the buffer for 90 days.
The next 30 days
Everything that moves money
Customer payments land 6 days after they’re asked for — measured on your own paid invoices.
$9,400 of finished work has never been invoiced across 2 jobs. It’s left off this forecast on purpose — there’s no date to put it on until you ask for it. Send those invoices →
- Green Valley Landscape SupplyMaterials · Materials · Patterson patio−$5,580.00Confirmed
- Harmon depositCustomer deposit · J-1013 · 30% to start+$6,840.00Estimated
- Crew payrollPayroll · Approved hours · 4 crew−$7,752.00Confirmed
- Maintenance plansRecurring plan · Recurring · 34 properties+$4,420.00Confirmed
- Shop rentBill · Bill · monthly−$2,400.00Confirmed
- Hector Salinas — finalCustomer payment · J-2146 · balance after deposit+$2,450.00Estimated
- Renee Patterson — finalCustomer payment · J-1009 · balance after deposit+$11,480.00Estimated
- Stone & paver orderMaterials · Materials · Alvarez walkway−$2,960.00Estimated
Bills & scheduled paymentsInsurance, the truck payment, rent, quarterly tax — what leaves on its own.
Money out
Bills the jobs don’t know about
about $8,260 a monthInsurance, the truck payment, rent, a supply-house account, quarterly tax. None of these belong to a job, so nothing else in here knows about them — and they’re most of what actually empties the account.
Shop rentMonthly · bill · next Sep 9
− $2,400Confirmed
Truck & equipment loanMonthly · loan · next Sep 15
2022 F-350 and the mini skid
− $1,180Confirmed
General liability insuranceMonthly · bill · next Sep 22
− $640Confirmed
Quarterly sales taxOne-off · tax · next Sep 30
Q3 filing
− $3,150Confirmed
Fuel & yard waste disposalMonthly · materials · next Sep 12
Averaged from the last three months
− $890Estimated
Winter equipment storageMonthly · $450 · paused, so it’s off the forecast
Where these numbers come fromSo you can tell what to trust.
- Payroll — pay periods run every two weeks, paid the Friday after the period closes. Approved hours are confirmed; hours nobody has approved yet are priced from what’s logged. A future period with no hours yet is projected from your recent ones. Hours & pay →
- Money coming in — payment requests you’ve sent, payment-plan installments, recurring plan visits, and quoted work sitting on the calendar (less anything already collected on it).
- Bills — only what you add above. Nothing else in here knows your insurance renews.
- Not counted — finished work you haven’t invoiced, and declined charges waiting on a new card. All of it is real money with no honest date to put it on, and a forecast that guesses cheerfully is worse than one that admits the gap.