Calculator / Plan the business
Revenue cannot pay a bill until it arrives.
Model a fixed monthly business with a payment lag. Find the first month-end shortfall and the lowest closing balance in the period.
02 / Follow the result
Your modeled scenario
- Revenue earned in period
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- Cash collected in period
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- Lowest month-end cash
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- First negative month
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- Ending cash balance
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For the assumptions entered. This is a scenario, not a forecast.
One question, two scenarios
What changed?
How to read this result
Cash collected in month m equals revenue earned in month m − delay; months before the start of this model contribute no receipts. Closing cash = opening cash + collected cash − costs paid. The next month opens at that closing balance.
The minimum is the lowest month-end closing balance, not an intramonth liquidity estimate. First negative month excludes zero balances. Receivables earned near the end may arrive after the modeled period.
This is an approximate whole-month timing worksheet, not a conversion of NET terms into exact payment dates. It excludes bad debt, deposits, taxes, opening receivables and changing revenue or costs.
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The research behind the workings