How to read your cash-flow forecast

It answers whether you will have money in the bank next month based on your current plans. It is not a prediction. It assumes every customer pays on the due date and every bill is paid on its due date. It shows the gap between profit and cash, which is important because a profitable month can still run out of money. A big one-off payment you have not entered, such as a tax bill, is invisible here.

1. Look at the strip of figures across the top to see Cash today, Expected in, Expected out, and Projected balance.
2. Find the Low point, which is the worst day in the window and the date it falls on.
3. Read the chart underneath, where the line is the running balance and the dashed red line is zero.
4. Check for a red banner at the top if the projection goes negative, which names the date and amount.

1. Use the picker at the top right to switch between the 30-day, 60-day, and 90-day view.
2. Use 30 days for deciding whether you can pay this month's bills.
3. Use 90 days when thinking about hiring, a deposit, or a big purchase.

1. Scroll to What's driving it to see every event that moves the line in date order.
2. Check the tag on each row, where Invoice due and Bill due are real documents and Recurring items are scheduled.
3. Note that anything already overdue is shown on today's date, not the original due date.
4. Fix any wrong rows on the screen they came from, as this screen has no editing of its own.

1. Work out which side is the problem, such as late inflows or bunched up outflows.
2. Open Invoices to chase overdue items or open Purchases to see which bills can move later.
3. Consider switching on Alerts & forecast on the Automation screen. It runs once a day and warns you when the low point drops under your safety line, which defaults to RM2,000.
4. Re-open this screen after making changes, as it rebuilds from live data every time.