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Cash flow

See the dip coming, 12 weeks before it lands.

Built from your real recurring invoices, bills and payroll, not guesswork. Model delaying an invoice or a bill and see the impact instantly.

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Free for 14 days, no credit card

accounts-os.com/cash-flow
Cash Flow ForecastLive
Will I have enough to cover payroll in June?
FYes, £4,200 headroom, based on your recurring invoices and scheduled bills.
FFinn projected it 12 weeks ahead, from real patterns.
Live

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

Everything it does

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 or model a raise, and 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 and see the 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

Profit, cash and what your company is worth, live. Proper statements underneath: P&L, Balance Sheet, Cash Flow.

Goals & Performance Tracking

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

VAT & Making Tax Digital

Your VAT return builds itself with every transaction. File when you're ready.

Corporation Tax

See your tax bill in real time, so it's never a surprise. Filing-ready numbers when you need them.

Ready to try Cash Flow Forecast?

Set up in minutes. Finn works in the background on your books, wherever you're based.

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