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Cash Flow Forecast

Project cash 12 weeks and 12 months ahead — from your real recurring patterns.

Forward-looking cash projection that uses your actual recurring invoices, recurring bills, payroll, scheduled tax payments and historic patterns. What-if scenarios let you model delaying an invoice or deferring a bill.

In short

AccountsOS Cash Flow Forecast projects your cash position 12 weeks and 12 months ahead, using actual recurring invoices, recurring bills, scheduled payroll, scheduled tax payments and historic patterns. Includes what-if scenarios — model delaying an invoice or deferring a bill and see the impact.

12 weeks
Short-term
12 months
Long-term
What-if
Scenarios
Try Cash Flow Forecast Free

Free during Early Access — no credit card required

Everything Cash Flow Forecast can do

Inputs

  • Opening cash position (live from bank balance)
  • Recurring invoice schedule
  • Recurring bill schedule
  • Scheduled payroll
  • Scheduled tax (VAT, PAYE, CT)
  • Historic seasonal patterns

Outputs

  • 12-week and 12-month projection
  • Lowest expected cash point
  • Expected vs actual variance
  • Runway in months

What-if

  • Delay a specific invoice receipt
  • Defer a bill
  • Adjust payroll timing
  • Model a one-off (raise, large purchase)

Capabilities at a glance

12-week and 12-month projection

Pulls from real recurring schedules

Includes scheduled tax (VAT, PAYE, CT)

Lowest cash point highlighted

Runway-in-months calculation

What-if scenario modelling

Compare projection vs actual over time

How It Works

1

Books are accurate

The forecast is only as good as your live data — recurring invoices, bills, payroll, scheduled tax.

2

Open the forecast

Pick the horizon (12 weeks / 12 months) and the granularity (weekly / monthly).

3

See the projection

Cash position at every step, lowest point flagged, runway calculated.

4

Run what-ifs

Defer a bill, delay an invoice, model a raise — see the impact instantly.

By the numbers

Real
Recurring data
Not made-up numbers
Tax
Included
Upcoming VAT, CT, PAYE
What-if
Modelling
Delay an invoice, defer a bill

Real-world Use Cases

Pre-investor meeting

Show 12-month cash projection with current burn. Realistic, not aspirational.

Decision: hire vs not

Model the cost of an extra £6k/mo hire — see runway impact before deciding.

VAT quarter prep

VAT due in 4 weeks — forecast surfaces the cash dip.

Why founders pick this over the spreadsheet

Runway visibility based on real numbers

What-if modelling without spreadsheets

Upcoming tax payments don't surprise

Frequently Asked Questions

How accurate is the forecast?

As accurate as your underlying data. Recurring patterns project well; one-off deals less so. The forecast surfaces uncertainty as confidence bands where it can.

What's included?

Recurring invoices (revenue), recurring bills (cost), payroll, scheduled tax (VAT, PAYE, CT), and historic patterns where there's a clear seasonality.

Can I model what-ifs?

Yes — defer a bill, delay an invoice, model a raise or one-off. The forecast updates instantly with the new scenario.

Does it show runway?

Yes — months of operating expense covered by projected cash. Updated continuously.

Can I share with investors?

Export to PDF or share a view-only link. Investors see live numbers.

Explore more of AccountsOS

Financial Reports

P&L, Balance Sheet, Trial Balance, Cash Flow Forecast — instant, accurate, exportable.

Goals & Performance Tracking

Set targets. Watch them in real time. Get nudged when off-track.

VAT & Making Tax Digital

VAT 9-box always live. File when you're ready.

Corporation Tax

See your CT bill in real time. Generate the workpaper for filing.

Ready to try Cash Flow Forecast?

Get started with AI-powered accounting for your UK limited company.

Get Started Free

Free during Early Access — no credit card — cancel anytime