From a profitable job to money in the bank
Cash Collection Planner
Which payments would help cover your next bills? Put the dates side by side, see where cash gets tight, and prepare a follow-up you can check before sending.
1. Set up the next 30 days
All amounts are USD. Use aliases instead of client names. This plan stays in this page and resets on reload; download the cash timeline before leaving. No bank connection or sign-up is needed.
Available cash is the balance at the start of this plan, including payments already received and bills already paid. Marking an item paid only removes its future movement; it does not adjust this cash figure.
Use the unpaid remainder for part-paid invoices. Dates before the plan start are treated as due on the first day. Expected clearance dates are your assumptions, not promises from clients.
Enter dates as YYYY-MM-DD.
A simple example
You have $3,000 available. A $5,000 supplier bill is due in a week, but a $4,000 customer payment is expected in ten days. The closing balance eventually recovers to $2,000, but there is a $2,000 shortfall before the customer pays. Moving that receipt ahead of the bill could close the gap—if the client confirms and the payment clears.
What this plan leaves out
Only the receipts and bills you enter are included. Add payroll, tax payments, loan payments, and other commitments yourself if they fall in this period. The tool does not connect to your accounts, assess a client’s ability to pay, add late fees, or recommend delaying contractual obligations.
Calculation: cash balance = opening cash + receipts − bills. Gap below buffer = buffer minus the lowest balance, with a floor of zero. Amounts use whole cents. A “received” checkbox excludes that item from future receipts; you must update opening cash yourself.
Calculated results are available without AI. AI wording can be wrong; check dates, invoice status, and any dispute before using a draft. This is a planning aid, not financial or legal advice.
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