Interactive Demonstration — Sample Data

What happens to your cash when one client pays late?

Meet Harbor & Pine Creative, a fictional nine-person agency with $48,400 in the bank and a $25,000 reserve floor. Change one thing at a time and watch the next 13 weeks respond. Please don't enter real financial details here; there's nowhere to.

Cash today$48,400Opening balance
Lowest point · Week 13$27,100Same as on-time plan
Weeks below reserve0 weeksSame as on-time plan
Cash in week 13$27,100Same as on-time plan
Projected ending balance Above reserve ScenarioReserve floor

Cash stays above the $25,000 reserve floor for all 13 weeks. Lowest point: $27,100 in Week 13.

Week-by-week ledger

Sample-data cash forecast by week
WeekStartingMoney inMoney outNetEnding
What's in the sample business

Money in: three monthly retainers ($6,500, $7,800 and $5,200), plus project invoices of $15,000 (Meridian), $12,500, $11,800, $9,400, $10,000 and $8,600.

Money out: $16,400 payroll every two weeks, $4,800 monthly rent, $1,350 monthly software, a $2,100 insurance payment, a $9,000 estimated tax payment in Week 11, and contractor spend you control above.

All names and figures are invented to illustrate how the forecast works.

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