Free tool

Cash shortfall risk check

Rough numbers are fine. See whether late payments could push your cash below a safe level in the next 13 weeks. Everything runs in your browser; nothing you type is sent or saved.

Your numbers

The fields start with example figures. Replace them with your own.

Combined operating accounts.
Payroll, rent, software, contractors and other regular costs.
What clients typically pay you in a month.
30% of collections

Your 13-week estimate

Lower risk
Lowest balance—
Below reserve from—Target —
Cash held up by late payers—At any one time
Cash in week 13—Estimated

How this estimate works

Your monthly spending and collections are spread evenly across 52 weeks a year. The late share of each week's collections arrives after the delay you chose, rounded up to whole weeks. Until then, that money is missing from your balance.

Real businesses have lumpy invoices, payroll dates and one-off bills, so this is a quick screen rather than a forecast. The full Cash Command OS forecast works line by line, week by week.

This is an estimate for planning only and not financial advice.

Want the week-by-week version?

Cash Command OS Complete builds the full 13-week forecast in Excel or Google Sheets. $199 founding price.

Get it — $199