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Projected closing cash
End of selected horizon
HUGDRIGO / FINANCIAL INTELLIGENCE / OVERVIEW
● Local-first workspaceRF
CASH FLOW INTELLIGENCE / FINANCIAL PLANNING
Know your next move.
Before cash runs out.
Turn assumptions into month-by-month liquidity plans, stress-test uncertainty and uncover potential funding gaps.
12Months ahead
Illustrative workspace: All initial businesses, transactions, rates and outcomes are hypothetical. Not accounting, investing or financing advice.
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Net cash movement
Projected, including cash events
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Lowest month-end cash
Minimum projected balance
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Liquidity runway
First negative month-end balance
Liquidity trajectory
Opening balance to projected cash over your selected horizon
Cash balance over time
Baseline cash forecast
Projected cash Minimum reserve
Financial signals
Explanations based on calculated balances
Monthly net cash flow
Net receipts less expenses and one-off cash events
Planning assumptions
Inputs driving the current projection
PROJECTION / MONTH-BY-MONTH
Trace every dollar.
Review monthly collections, operating costs, one-off events and rolling cash balances. All calculations are transparent and reproducible.
Cash flow forecast
Monthly figures in hypothetical USD
Liquidity position
How much buffer remains relative to your reserve
Forecast mechanics
Revenue recognition versus actual receipts
Sales are projected using a monthly growth rate. With a collection delay, sales enter the cash balance in a later month. Expenses are assumed paid in the month incurred. Earlier receivables are not automatically imported into the forecast.
Monthly ledger
Opening cash + receipts − operating expenses + one-off events = closing cash
| Month | Opening cash | Sales booked | Cash collected | Fixed costs | Variable costs | Cash events | Net movement | Closing cash |
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Revenue booked is shown for context only. Only cash collected enters monthly cash flow. Negative end balances indicate a modeled funding shortfall, not an actual account overdraft.
SCENARIO INTELLIGENCE / ASSUMPTIONS
Explore the decisions.
Compare assumptions, change operating levers and run reproducible uncertainty experiments with no external data.
Operating scenarios
Select the scenario applied throughout the forecasts
Customize your model
Moving a slider selects the custom scenario
What-if levers
Relative to the base assumptions
Side-by-side comparison
Same starting balance and cash events for all presets
Uncertainty stress test
Repeatable simulation of monthly revenue and fixed-cost shocks
Stress-test controls
500 seeded simulations; each run is reproducible
Independent normally distributed, zero-mean shocks are applied separately by month. This is an illustrative sensitivity exercise, not a statistically calibrated probability forecast.
Simulated liquidity outcomes
Terminal cash distribution across 500 trials
CASH TIMING / ONE-OFF EVENTS
Plan the exceptional.
Add investment, tax, financing or other inflows and outflows to the forecast. Model real cash timing, not vague annual averages.
One-off cash events
Positive and negative events affect only the selected month
| Event | Scheduled month | Type | Amount | Actions |
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Events outside the current horizon remain saved and enter the model if you extend the horizon. Event months are relative to the first month of this planning workspace.
WORKSPACE / MODEL GOVERNANCE
Own every assumption.
Update baseline financial inputs, export your calculations and back up your browser workspace without signing into a service.
Baseline settings
Edit assumptions in nominal hypothetical USD
Data ownership
Manage local files and browser persistence
Forecast report
Download the current scenario as CSV
Workspace backup
Save assumptions, events and scenarios in JSON
Restore saved data
Import and validate a RunwayForge JSON backup
Restore demo workspace
Reset local inputs and cash events
Privacy: data stays in this browser, except when you explicitly download a file. Local storage may be unavailable in private browsing. Keep your own backups.
How the model works
Transparent rules and boundaries of the simulation
Calculation methods
- Sales: starting monthly sales × (1 + growth rate)month index × scenario revenue multiplier.
- Collections: sales booked in the month specified by collection delay, or zero if outside the horizon.
- Fixed and variable costs: fixed cost adjusted by scenario; variable cost equals booked sales × effective variable rate.
- Net cash: collections − fixed costs − variable costs + signed one-off events.
- End cash: previous balance + month net cash. A shortage is recorded if month-end cash is below zero.
Important limitations
A static educational scenario model, not a connected bookkeeping product, regulated financial projection, audit, lending or investment recommendation. It omits taxes, inflation, interest, credit facilities, opening receivables/payables, seasonality, payment defaults, amortization, working-capital constraints and business-specific accounting treatments unless you model their cash impact explicitly as events.
Simulated stress percentages are mathematical outcomes under chosen assumptions, not predictive probabilities calibrated to historical company data.