Where could cash run short in the next four weeks?
Enter the cash you have today and the receipts and payments you expect week by week. Everything runs in your browser: the numbers go nowhere unless you decide to send them.
- Time
- 3 min
- You need
- Cash today, expected receipts and payments
- Sign-up
- Not needed
- Status
- Works now
- Version
- 1.0 · 27.09.2026
Result
No result right now: a field in the form is empty or wrong. Fix it and the calculation comes back.
Largest shortfall, first in week 3
Closing balance = previous balance + receipts − payments.
Four-week cash forecast · RND.energy Date: 2026-10-27 Cash today: €410,000 Week 1: receipts €0, payments €90,000, closing €320,000 Week 2: receipts €0, payments €50,000, closing €270,000 Week 3: receipts €0, payments €400,000, closing −€130,000 Week 4: receipts €190,000, payments €40,000, closing €20,000 Largest shortfall: €130,000 (first in week 3) Formula: closing balance = previous balance + receipts − payments. Weekly totals can hide a gap inside a week.
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About the calculation
- What we calculate
- The balance at the end of each of four weeks: last week’s balance plus receipts minus payments. And the deepest negative point, if there is one.
- Assumptions
- All of a week’s receipts and payments fall within that week; dates inside the week are not taken into account. Taxes, loan repayments and VAT count as ordinary payments, a released retention as an ordinary receipt.
- What the result means
- The shortfall is how much cash will be missing in the heaviest week if nothing changes. It is not a loss: the company’s profit may be fine at the same time.
- What to check next
- The dates of the next certificate payments and retentions, whether the client confirmed them, and which payments can move without a penalty.
What to do with a gap
- Get the stage certified and invoiced before the 28th, not after it.
- Name the person who calls the clients about late certificates, and by which date.
- Pay subcontractors for certified quantities, not on the foreman’s word.
- Move a supplier payment that can move without a penalty, and the owner’s withdrawals to after the 28th.
In the example two progress payments, €190,000, are late, and the clients promise them early next month, in week 4, after the 28th. The four weeks end in the black, yet on the 28th €130,000 is missing. If that money comes in week 3, before the 28th, there is no gap.
If the 28th is short every month a client pays late, the problem is not one week but how the payment terms in your contracts line up with what you owe the subcontractors. That is worth working through together.