A dated working-capital cockpit for owner-operators who need to see timing, not just totals.
A simple cash planning desk for small operators$7.99 / month after a 7-day free trial · Eligible new members · Cancel online in one click
A forward view of cashPRIVATE WORKSPACE · MEMBERS ONLY
A 13-week cash terrain that makes timing gaps and reserve-floor crossings visible.
See membership and trialEach capability has its own job, inputs, method, and reviewable output. Your member workspace keeps the work, its assumptions, and its next step together.
Project a weekly cash path and compare the base case with later receipts and higher outflows. Spot the first floor crossing and see how far it falls below your own reserve line.
Cash CanyonSet a recurring weekly baseline, add dated forecast flows in the workbench, then expose delay and cost assumptions.
13-week stress testCompare a single expected receipt with a later arrival; show both first reserve-floor crossings, validate timing inputs, and pause unreliable scenarios before you act.
Receipt timing labRecord who will check what and by when. The tool never recommends borrowing or delaying payroll/tax obligations.
Shortfall action briefMap confirmed available cash against dated bills and expected receipts, rank what needs a human follow-up, and highlight timing gaps without treating planned income as cash.
Obligation ladderModel expected collection dates against upcoming obligations using your own confidence levels, and prepare a factual follow-up queue while keeping unconfirmed money separate.
Collection timingThese are static demonstrations using invented sample details. The interactive tools, saved analyses, and account history live inside the paid workspace.
ILLUSTRATIVE EXAMPLE · NOT LIVE DATA
Stressed low point -$2,260.00 · owner-set floor $1,800.00 · Base receipt case.
CASH CANYON · 13 WEEKS Opening cash entered: $7,200.00 Owner-set floor: $1,800.00 Base weekly receipts / outflows: $2,500.00 / $2,200.00 Stress: receipts delayed 2 week(s), at-risk receipts reduced 20.0%, outflows increased 10.0% First stressed floor crossing: week 4 Stressed lowest point: -$2,260.00 Week-13 base / stress: $11,100.00 / -$2,260.00 Sensitivity scenario only. This tool does not connect to bank or ledger records; reconcile the opening balance before relying on it. Add dated obligations and receipts in the cash map; distinguish confirmed, planned, and speculative amounts. Do not defer legal, payroll, tax, or contractual obligations based on this illustration.
ILLUSTRATIVE EXAMPLE · NOT LIVE DATA
Weekly baseline $1,200.00 receipts / $900.00 bills; haircut 20%, receipt delay 1 week(s), outflow stress 10%. 0 dated event(s) excluded by the confidence rule; 0 event(s) excluded for invalid week, amount, or direction.
CASE: Conservative OPENING CASH: $2,500.00 WEEKLY CLOSING CASH W01 $1,510.00 W02 $1,480.00 W03 $1,450.00 W04 $1,420.00 W05 $1,390.00 W06 $1,360.00 W07 $1,330.00 W08 $1,300.00 W09 $1,270.00 W10 $1,240.00 W11 $1,210.00 W12 $1,180.00 W13 $1,150.00 Dated receipts: Conservative includes confirmed only; Base includes confirmed and planned; Upside includes all three certainty levels. Planned outflows are included in all cases. Scenario only. Check every date, certainty label, tax/payroll obligation, and opening balance. Do not treat speculative receipts as cleared cash.
ILLUSTRATIVE EXAMPLE · NOT LIVE DATA
Baseline low -$8,050.00 (baseline first floor crossing: week 4) · delayed low -$8,050.00 (delayed path first floor crossing: week 2) · Receipt certainty label: Planned. Both paths still assume the entered amount arrives; verify cleared status before commitments. Expected receipt in week 2 becomes week 4 in the delayed path.
RECEIPT TIMING · 13-WEEK SENSITIVITY Opening cash: $2,500.00 · owner-set floor: $1,000.00 Expected path — receipt week 2 · lowest -$8,050.00 · baseline first floor crossing: week 4 Delayed path — receipt week 4 · lowest -$8,050.00 · delayed path first floor crossing: week 2 Receipt confidence: Planned Receipt certainty label: Planned. Both paths still assume the entered amount arrives; verify cleared status before commitments. Confirm actual payment status against source records. These cash paths are scenarios, not a forecast or payment system. If an essential commitment is affected, arrange a verified follow-up or consult an appropriate adviser before changing obligations.
ILLUSTRATIVE EXAMPLE · NOT LIVE DATA
First shortfall marker: week 4 · owner: Owner · check-by: 2026-10-02.
FIRST SHORTFALL: week 4 MODELED GAP: $850.00 OPTION A — Confirm timing of two outstanding invoices Owner: Owner · By: 2026-10-02 · Status: Not started OPTION B — Review discretionary supply purchase timing Only count an action as cash after the amount/date is verified. Do not defer payroll, tax, or contractual obligations based on this draft.
ILLUSTRATIVE EXAMPLE · NOT LIVE DATA
Confirmed cash $7,200.00 - reserve $1,800.00 - week 1 close $6,250.00 - week 2 close $5,450.00 - week 4 close $4,850.00.
CASH CHECK - as of 2026-09-29 Opening confirmed cash: $7,200.00 Week 1 - receipts $1,250.00 - obligations $2,200.00 = $6,250.00 Week 2 - receipts $1,800.00 - obligations $2,600.00 = $5,450.00 Week 4 - receipts $2,500.00 - obligations $3,100.00 = $4,850.00 Protected reserve: $1,800.00 Follow up on timing with the relevant counterparties and verify bank-cleared balances. This is a dated planning scenario, not financial advice or a payment authorization.
ILLUSTRATIVE EXAMPLE · NOT LIVE DATA
Open balance $1,850.00 · 8 days past agreed due date · confidence Likely. Timing uses your estimates only.
COLLECTION REVIEW · INV-104 Open balance after reconciliation: $1,850.00 Agreed terms: Net 14 Expected receipt: 5 day(s) from review Next obligation: $2,300.00 in 9 day(s) If appropriate, verify receipt status and send one factual, respectful reminder referencing the original invoice and agreed terms. Do not claim a payment is late if the agreement or allocation is unclear. Never count this expected amount as cleared cash.
Build a direct weekly cash map, pressure-test late receipts and higher costs, and attach a practical owner/date to each response.
Use the numbers, dates, choices, and context specific to the decision in front of you.
Every tool explains its calculation or sorting method and flags assumptions that need a human check.
Members can save results to their private workspace, revisit past work, and build a repeatable process.
Membership includes all 6 specialist tools, the service-specific Operations Desk, account-synced work queues, saved analysis history, service insights, and a field method guide.
Import a supported file or start with your service details, then generate a prioritized, service-specific action pack you can review, save, and export.
A payment method is collected at secure checkout. Trial eligibility and the exact renewal date are shown before checkout. Cancel from Account before the trial ends to avoid the first monthly charge.
Eligible new members receive seven days of access. Checkout displays the renewal date and monthly price before a payment method is submitted.
Yes. Sign in, open Account, and use the cancellation control. Renewal turns off in one step; access continues through the current paid period.
No. Every public example uses illustrative data. Your saved analyses are private to your account.
Review the calculation, save it with related service history, and export a service-specific action pack. You choose what to apply next.