Private, local planning tool

Payment Cash-Gap Comparator

Compare manually entered receipt plans, outflows, and natural-calendar delay scenarios to see when a cash buffer may be needed.

tool only — no account, payment connection, saved plan, or guaranteed receipt date. Usage analytics is optional and excludes input values.

Inputs stay in this tab

Enter cash scenarios

Use exact decimal strings. Plans and delays are manual re-entry from your own notes; nothing is imported or saved.

Candidate plans 1–3 plans · 0–48 income rows each

Plan 1

Outflows 0–48 rows · outflow shown before income on a date
Delay scenarios 1–3 · keep one on-time / 0 days

How the model works

A date-only scenario model

Every amount is converted to integer cents in the browser. Delay days add natural calendar days, never platform or holiday rules.

01

Enter the plan

Re-enter one to three candidate income plans, outflows, and a named on-time scenario. Nothing is imported.

02

Compare timing

Each plan × scenario keeps a full date timeline. On the same date, outflows are shown before income; the balance is measured at day end.

03

Read the gap

Minimum balance, first negative date, required buffer, and out-of-window receipts make the input assumptions visible.

Context only

Payment-workflow references

These references are background only. They do not supply defaults, platform deadlines, or payment data to this tool.

Milestone context

Context only: platform workflows are not imported and do not supply a payment deadline.

https://support.upwork.com/hc/en-us/articles/44564821903763-Understanding-milestones-on-fixed-price-contracts

Partial-payment context

Context only: this tool never connects to Stripe or any payment account.

https://docs.stripe.com/invoicing/partial-payments

Cash-management context

General context only; the result is not accounting, tax, lending, or solvency advice.

https://sba.gov/business-guide/manage-your-business/manage-your-finances

Questions

Before you act on a result

Are receipt dates guaranteed?

No. Planned or estimated receipt dates are not guaranteed payment dates. They are scenarios based only on values entered in this tab.

Does a delay use business days?

No. Delay days are natural calendar days. Weekends, holidays, and platform rules are not inferred.

Can this import a payment plan or bank data?

No. All plans, income rows, outflows, labels, and delays are manually re-entered and remain in memory only.

Boundaries

What this tool does not do

Planned or estimated receipt dates are not guaranteed payment dates.