30/60/90-day cash forecast
A rolling 30, 60 and 90-day cash forecast, built from your cheques, bills and overdue invoices.
LiveWhat does Cash-flow Forecaster do? See a cash crunch weeks early and plan borrowing or collections around the cheques, bills and overdue invoices already on your books.
How it works
Once a week, and whenever you ask, Kinnow looks at post-dated cheques, open supplier bills with their due dates and how overdue each customer's open invoices already are. It writes a 30, 60 and 90-day forecast with a likely range and names the date cash looks tightest.
Post-dated cheques, common in Indian trade, count as a main part of the forecast, alongside supplier due dates.
Step by step
This is how a week with the forecast runs for a finance head or an owner.
- Kinnow prepares it once a week. You can also ask for a fresh one whenever you need it, for example before a meeting with your banker.
- It gathers what is already on your books. Cheques you hold or have issued that are not yet cleared, open supplier bills with their due dates, open customer invoices, and your current bank and cash balance.
- It drafts the forecast. Money expected in and out over the next 30 days, 31 to 60 days and 61 to 90 days, the date cash looks tightest, the working capital you would need, and a likely range.
- Your finance head reads it. The forecast comes with a short note in plain words. Nothing on the screen schedules or approves a payment.
- You act on it in the usual screens. Chase a customer, move a supplier payment or talk to the bank. Those steps keep their normal approvals.
Ask us to run this forecast on your own cheques and open bills.
What you see on screen
The Cash-flow forecast screen sits under Finance. It shows:
| On the screen | What it tells you |
|---|---|
| Forecast made on | The date the forecast was prepared, and that it looks ahead 30, 60 and 90 days. |
| Cash is tightest around | The date your cash is expected to be lowest, or "Not identified" if none is found. |
| Working capital needed | How much cash you would need to cover the tight patch. |
| Confidence | The likely range around the forecast. |
| Expected in, Expected out, Net | One row each for the next 30 days, 31 to 60 days and 61 to 90 days. |
| What makes up each period | The cheques, bills and invoices behind every number, so you can check them. |
| In plain words | A short written explanation of the forecast. |
| Forecasts made earlier | Past forecasts, so you can see how the picture changed from week to week. |
Who uses it
- Finance head or owner: reads it at the start of the week and decides what to chase or defer.
- Accounts executive: uses the list behind each period to call the customers whose payments the forecast relies on.
- Owner: checks the tightest date before agreeing to a large purchase or a new hire.
See what your next 90 days look like on your own books.
Related
- The Cash-flow Forecaster agent page describes the agent behind this.
- Open invoices come from Finance & tax; reminders to customers come from the collections agent.
- Ask for it in plain words through Ask Kinnow.
- Match bank lines to books first with bank lines that book themselves, so the opening balance can be trusted.
Questions
What is Cash-flow Forecaster in Kinnow?
A rolling 30, 60 and 90-day cash forecast, built from your cheques, bills and overdue invoices.
What changes for the business?
See a cash crunch weeks early and plan borrowing or collections around the cheques, bills and overdue invoices already on your books.
Is it available today?
Yes, it is live.
What does the cash forecast leave out?
Payroll, tax payments and any commitment recorded outside pending cheques and open payables are not included. Treat the money-out figure as a floor and add what you know is coming.
Does the forecast pay or schedule anything?
No. It only reads your books and writes a forecast. Nothing on the screen schedules or approves a payment.
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