Cash Planner
Can we pay ourselves, and what happens if we change sub terms? A live 30-day projection.
Scenario
Yes — you can draw $0 this month
Projected cash in 30 days
$28,175
Max safe draw (to stay at $0)
$28,175
How we get there (next 30 days)
| Cash on hand (live bank balance) | $142,000 |
| + A/R collected (85% of current + 1-30) | + $268,175 |
| - Subs due within 30 days | - $96,000 |
| (Net 60 defers the sub newest bill beyond 30d) | + $22,000 |
| - Operating expenses | - $308,000 |
| - Owner draw | - $0 |
| Projected cash | $28,175 |
Moving the sub from net 60 to net 40 pulls their newest bill ($22,000) into this window, which is why you have room. This is a model: A/R timing uses aging buckets, not yet per-client days-to-pay.