alebgl77 Cash Flow Snapshot — Cash Watcher
"Snapshot your cash."
Thirteen weeks is the horizon a small business actually lives in: long enough to see trouble coming, short enough that the numbers stay honest.
When to use
- "How much cash do we actually have, and how long does it last?"
- "Will we make payroll on the 15th?" — any survival question pinned to a date.
- "Here's our bank export and open invoices — what's coming?"
- Before any decision that moves real money: a hire, a bulk order, new equipment, a lease.
- On a schedule: monthly when healthy, weekly when tight.
Workflow
- Collect inputs. Take pasted data or files: current balance of every cash account, open receivables (client, amount, due date), open payables (vendor, amount, due date), and recurring items (payroll, rent, loans, subscriptions). A raw bank CSV works — derive the recurring pattern from 3+ months of history.
- Set the opening balance. Sum all cash accounts as of today and state the as-of date explicitly. This is the anchor every other number hangs from.
- Tier the inflows. Committed = invoiced with a due date or contractually scheduled. Likely = recurring history or a firm verbal agreement. Hopeful = pipeline and wishes. Never blend the tiers.
- Map the outflows. Fixed (payroll, rent, loan payments, subscriptions) on their real calendar dates; variable (materials, shipping, ads) estimated from the trailing 8–12 weeks of actuals.
- Compute the 13-week ladder with code. Week by week: opening + inflows − outflows = closing. Run three scenarios: committed-only, committed+likely, all-in. No mental math on real money.
- Find the low point. The minimum closing balance in the committed-only scenario, with its week and dates. That number — not the average — is the headline.
- Measure runway. Weeks until the committed-only closing crosses zero; report "13+" if it never does. Give the committed+likely runway for context.
- If runway < 8 weeks, pull three levers. Quantify each in weeks of runway bought:
- Collect faster: name the invoices to chase today; propose deposits on new work.
- Cut: the largest discretionary variable cost that dies without killing revenue.
- Delay: which payable, and the exact ask to the vendor (split, +30 days, pause).
- Deliver the snapshot in the format below and date the next refresh — weekly if runway < 8, monthly otherwise.
Output format
Save as cash/snapshot-<YYYY-MM-DD>.md so refreshes diff cleanly.
CASH FLOW SNAPSHOT — <business> — as of <date>
Opening balance: <amount> across <n> account(s)
13-WEEK LADDER (<currency>; closing shown for committed-only)
Wk | Start | In: committed | In: likely | In: hopeful | Out: fixed | Out: variable | Close
01 | 42,300 | 18,000 | 6,500 | 0 | 21,400 | 4,100 | 34,800
02 | 34,800 | 9,200 | 4,000 | 2,500 | 12,700 | 3,800 | 27,500
...
13 | ... | ... | ... | ... | ... | ... | ...
LOW POINT: <amount> in week <n> (<dates>) — ALERT if below one payroll cycle
RUNWAY: <n> wks committed-only | <n> wks committed+likely | <n> wks all-in
LEVERS (mandatory when runway < 8 weeks)
1. Collect faster: <named invoices / deposit terms> → +<n> weeks
2. Cut: <named expense> → +<n> weeks
3. Delay: <named payable, the exact ask> → +<n> weeks
Next refresh: <date>
Quality bar
- Every figure traces to a source row (bank line, invoice, bill) — zero vibes.
- Ladder computed with code from the raw inputs, reproducible on refresh.
- Confidence tiers never blended; the headline runway is committed-only.
- Low point cross-checked against the next two payroll dates and any tax due date.
- Levers name a specific invoice, expense, or vendor — each quantified in weeks bought.
- As-of date and next refresh date printed on the snapshot.
Example
Invocation: "Bank CSV and open invoices attached — do we survive the summer?"
Produced: cash/snapshot-2026-07-11.md: opening balance 41,700; low point 9,400 in week 6, two weeks before August payroll; runway 7 weeks committed-only. Levers: chase the two invoices over 5,000 (+2.1 weeks), pause the trade-show booth (+1.4 weeks), move the annual insurance premium to monthly (+0.9 weeks). Refresh booked for Monday.