Plan runway, collections and borrowing with connected cash-flow calculators. Work through the calculators in the order that matches the decision rather than collecting isolated metrics.

Map bank timing: Forecast receipts when customers are expected to pay and outflows when cash should leave the account.
Measure the operating cycle: Connect inventory, receivables and supplier terms to the number of days cash remains committed.
Protect a buffer: Set a minimum balance before treating the remaining cash as available runway.
Compare funding last: Evaluate repayment, fees and downside affordability only after collections and spending actions are visible.

Checks before acting

Do not substitute accounting profit for cash movement.
Place tax, payroll and one-off payments on their actual dates.
Run a delayed-receipts case before committing discretionary spend.

Build a free three-month cash-flow forecast →

This hub organises educational planning tools. Confirm material tax, legal, employment, accounting or funding decisions with the relevant authority or a qualified professional.