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Cash flow

Cash-flow forecast

Expenses Ledger →Revenue & Payments →Tax & P&L →

Payroll, bills and materials going out; deposits, invoices and plans coming in — your balance day by day, and the first day it falls below its safety buffer.

Safe

Stays above your $5,000 buffer for the next 90 days.

Enter the verified cleared cash in your operating account. Projections calculate forward from this starting baseline; LGQ does not connect directly to live bank feeds.
✓ Saved
Next warningEarliest date over your forecast horizon where projected outflows are modeled to bring your balance below your configured safety buffer or credit floor.
None in 90 days
Checked past the edge of the chart, not just inside it.
Headroom above bufferThe lowest projected cash margin modeled over your forecast horizon after setting aside your safety buffer. A negative number indicates projected buffer depletion.
$6,908
At the lowest point in 90 days, against a $5,000 buffer.
Funding neededAdditional cash collections or capital required before the lowest projected day to keep your modeled balance at or above your configured safety buffer.
$0
Nothing needed — the movements clear the buffer on their own.
30 days60 days90 days
+ Add expense
Projected account balanceOnly 34% of the money moving here is confirmed, so treat the line as a shape rather than a schedule. Balance last updated today.
$0$10k$20k$30k$40k$50kOct 19Nov 3Nov 17$5kOct 20 to Oct 26: 6 transactions, net −$972. Balance after $17,428.6Oct 27 to Nov 2: 9 transactions, net $20,330. Balance after $37,758.9Nov 4 to Nov 7: 7 transactions, net $4,148. Balance after $41,906.7Nov 11 to Nov 16: 5 transactions, net $3,185. Balance after $45,091.5

Adjust the dot on the left to change today’s balance, or the dashed line to move your safety buffer. Select a marker to see what happens that day.

Projected balance Confirmed money only Safety buffer Confirmed event Estimated event
Add more lines
Advanced settingsThe numbers this forecast is built on$18,400 in the bank$5,000 buffer$10,000 credit
Last saved today.

Currently showing Base — everything lands when it says it will.

Lowest balance$11,908

Thu, Oct 22 — the tightest day ahead.

Lowest in 90 days$11,908

Thu, Oct 22 — past the edge of the 30-day chart, which is why it is here.

Ending cash$45,091

$58,995 in and $32,304 out.

Safe starting cash$11,492

What you need today to stay above the buffer for 90 days.

The next 30 days

Everything that moves money

Customer payments land 6 days after they’re asked for — measured on your own paid invoices.

$9,400 of finished work has never been invoiced across 2 jobs. It’s left off this forecast on purpose — there’s no date to put it on until you ask for it. Send those invoices →

    • Green Valley Landscape SupplyMaterials · Materials · Patterson patio−$5,580.00Confirmed
    • Harmon depositCustomer deposit · J-1013 · 30% to start+$6,840.00Estimated
    • Crew payrollPayroll · Approved hours · 4 crew−$7,752.00Confirmed
    • Shop rentBill · Bill · monthly−$2,400.00Confirmed
Bills & scheduled paymentsInsurance, the truck payment, rent, quarterly tax — what leaves on its own.

Money out

Bills the jobs don’t know about

about $8,260 a month

Insurance, the truck payment, rent, a supply-house account, quarterly tax. None of these belong to a job, so nothing else in here knows about them — and they’re most of what actually empties the account.

Shop rentMonthly · bill · next Oct 25
− $2,400Confirmed
Truck & equipment loanMonthly · loan · next Oct 31

2022 F-350 and the mini skid

− $1,180Confirmed
General liability insuranceMonthly · bill · next Nov 7
− $640Confirmed
Quarterly sales taxOne-off · tax · next Nov 15

Q3 filing

− $3,150Confirmed
Fuel & yard waste disposalMonthly · materials · next Oct 28

Averaged from the last three months

− $890Estimated
Winter equipment storageMonthly · $450 · paused, so it’s off the forecast
Where these numbers come fromSo you can tell what to trust · Next 30 days: $58,995 in, $32,304 out · $9,850 excluded
  • Payroll
    2 pay runs · $15,504$7,752 confirmed$7,752 estimated

    Confirmed = approved hours. Estimated = unapproved hours or recent averages.

    Pay periods run every two weeks, paid 5 days after each period ends, on the following friday. Approved hours are confirmed ($7,752); hours nobody has approved yet are priced from what’s logged. A future period with no hours yet is projected from your recent ones ($7,752). Hours & pay →

  • Money coming in
    18 incoming · $58,995$10,040 confirmed$48,955 estimated

    Payment requests you’ve sent (15 totaling $48,955), payment-plan installments (1 totaling $1,200) (including a plan still waiting on its deposit, spread across its real dates), recurring plan visits (2 totaling $8,840), declined charges with a retry scheduled, and quoted work sitting on the calendar (less anything already collected on it).

  • Bills
    7 due · $16,8005 active scheduled bills$12,950 confirmed

    Only what you add above (5 active scheduled bills, 7 payments due in this window totaling $16,800). Nothing else in here knows your insurance renews. For historical materials and receipts, check your Expenses Ledger →

  • Not counted
    $9,850 excluded2 unbilled ($9,400)1 declined ($450)

    Finished work you haven’t invoiced (2 jobs totaling $9,400), and declined charges that are waiting on the client to enter a new card or have run out of retries (1 charge totaling $450). All of it is real money with no honest date to put it on, and a forecast that guesses cheerfully is worse than one that admits the gap. Send unbilled invoices →