What this tool does
Place dated income and expenses on one timeline to find the lowest balance and cash buffer needed.
How to use it
- Enter your real assumptions.
- Review the result and its breakdown.
- Compare scenarios and verify important figures.
Formula and method
Rows are sorted by date and each signed amount is added to the running balance.
Worked example
A positive invoice before rent can prevent a temporary negative balance; moving its date reveals timing risk.
Useful for
- Scenario planning
- Budget review
- Preparing questions before a decision
Limits and notes
This is a planning timeline, not bank reconciliation. Confirm dates and cleared amounts.
Frequently asked questions
Is the result a quote?
No. It is a planning estimate based on your inputs; verify real prices and terms.
Are my inputs uploaded?
No. This tool calculates in your current browser.