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, telemetry, or guaranteed receipt date.

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.

Period startPeriod endOpening cash

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

Plan label

Income IDPlanned dateAmount

Outflows 0–48 rows · outflow shown before income on a date

Outflow IDDateAmountKind

Delay scenarios 1–3 · keep one on-time / 0 days

Scenario IDDelay days

How the model works

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

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

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

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

Context only

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

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

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

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

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

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

Planned or estimated receipt dates are not guaranteed payment dates.