Starting cash
—Your opening balanceA clearer view of business cash
Can your cash cover
what comes next?
Put expected payments and upcoming bills on one timeline. Explore the next 13 weeks, then see what changes if a customer pays late.
Your saved plan needs attention
Download a copy before starting again. Your saved data will stay in place until you choose to replace it.
Your starting point
Sample workspaceA snapshot, before the first day’s payments. Include money already received in starting cash. Add only payments and bills still expected, so money is counted once.
Expected in
—Across the next 13 weeksBills going out
—Across the next 13 weeksProjected closing cash
—At the end of week 13Look ahead
Your cash, week by week
Estimates based on the dates and amounts you enter.
Projected cash balance
Original plan Payment delayed
The line follows daily closing balances. The weekly table below includes the lowest balance within each week.
The 13-week view
One week carries into the next.| Week | Opening | Expected in | Bills out | Closing | Lowest |
|---|
Build your plan
Expected payments & bills
Add one entry for each amount you expect to receive or pay.
Your planned entries
No payments yet
| Date | Item | Type | Amount | Actions |
|---|
Your plan starts here
Add an expected customer payment or an upcoming bill to see how it affects your cash.
Keep a copy
Your plan belongs with you.
Records stay in this browser on this device. There is no account or cloud sync. Download a backup regularly, especially before clearing browser data or changing devices.
A little guidance
Make the numbers useful.
A simple plan works best when it reflects what you actually expect.
What goes into starting cash?
Use the money available to the business at the start of your chosen plan date, before that day’s planned payments. Money already received belongs in this balance, not in expected customer payments as well.
How do I keep the plan up to date?
When you move the plan date forward, update starting cash to the new balance. Remove payments already received or paid. If a payment is still outstanding, give it a realistic future date. Entries before the plan date are excluded from the forecast and flagged for review.
What does a projected shortfall mean?
It means the entered starting balance and expected payments would leave cash below zero on a projected day. It is a prompt to review timing and assumptions. Daily closing balances do not show the order of payments within a day.
Does changing currency convert my money?
No. A plan uses one currency. Changing it relabels the same amounts and does not apply an exchange rate. Convert foreign payments yourself before adding them to the plan.
Is the sample my business data?
No. The sample contains fictional figures so you can explore the planner. Choose “Start my plan” for a blank workspace. Starting over or restoring a backup replaces the current workspace after confirmation.
Can I connect my bank or collect payments?
CashPlan is a planning tool using amounts and dates you enter. It does not connect to a bank, move money or collect customer payments. Your forecast is an estimate based on your own assumptions.
Made by Chime Digital Studio
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