Revenue is a promise.
Cash buys time.
See when invoices turn into receipts, when delivery consumes cash and how long the business stays above your protected cash floor.
AED · Hypothetical company example · No opening receivables, borrowing or future funding assumed.
How to read the projection
Invoices and receipts
Month-n invoices = month-one sales × (1 + growth rate) raised to n−1. Receipts arrive after the entered whole-month delay. No sales from before month one are collected.
Costs and owner draw
Delivery costs are paid in the month of invoicing. Fixed costs and owner living draw are paid monthly. Opening available cash is unrestricted cash minus immediate setup commitments.
Floor and cash shortfall
The floor is tested at each month-end, including month zero after setup. Crossing it means entering the reserve you chose. A negative balance is a modelled funding gap; the projection continues to show its size.
Steady-state break-even invoiced sales = (fixed costs + owner draw) ÷ contribution margin. It excludes collection-delay funding and growth effects. Annual renewals, tax, debt, inventory prepayments and other commitments must be included in your inputs where relevant; the model does not calculate them automatically.
The downside reduces each month’s invoices, increases fixed business costs and extends the collection delay. The owner draw remains unchanged. A result beyond the chosen horizon is not unlimited runway. Month-end balances can conceal cash shortages within the month.