Cash Flow Planner

How it works

A 90-day cash flow forecast plots your daily cash balance forward from today, factoring in recurring monthly revenue and expenses spread evenly across the window, plus any one-shot receivables, bills, and payroll runs you know about. The result shows you the lowest projected balance, the date it lands on, and whether you would go cash-negative before the receivables you are waiting on actually clear.

Most small-business cash crises are not "we ran out of money" — they are "we ran out of money for two weeks between when payroll cleared and when the big customer paid." A planner like this catches those two-week gaps before they happen so you can move a payment, pull a receivable forward, or draw a line of credit ahead of time.

HelloBooks does this automatically once your bank is connected — Plaid pulls every US transaction, statement upload + SMS bank feed cover India, and the AI categorizes everything so the forecast updates daily without spreadsheet maintenance.

When the tool flags a problem

• Cash dips below zero: the forecast shows a date when your balance crosses into negative territory. Action: move a discretionary outflow later or pull a receivable forward.
• Cash dips below the 1-month buffer: not negative, but below the recommended buffer of one month's recurring expenses. Action: hold off on non-essential spending until after the next big inflow.
• Stress-test scenario: the conservative (-20% revenue) and optimistic (+20% revenue) toggles let you see what happens if your revenue assumption is wrong. Lenders and investors usually want to see the conservative scenario still survive.