Will there be enough cash in 90 days?

Slide sales, bills and late payers up and down and watch a simple 30, 60 and 90 day cash picture change colour. It shows trouble weeks before it reaches the bank.

Try it now

A made-up building firm with sample figures, dated from today. Nothing to sign up for.

The bank app tells me what's there today. Not whether there'll be enough when the VAT bill lands.

Customers pay late, bills come in lumps and quiet weeks creep up on you.

By the time the balance looks wrong, it's too late to chase an invoice or move a payment.

See your next 90 days in green, amber or red, and know which lever to pull first.

How it works

Your bank balance and your invoices come in by themselves, with the regular bills and the big ones like VAT.
cash.coldridgebuilders.example.co.uk
Bank balance, next 90 days
In the bank this morning £12,230
Cash gets tight around 7 January, the week the VAT bill goes out.
You'd dip under your £5,000 cushion, down to £2,600 on 11 January.
30 days
to 25 Nov
Fine
Lowest £6,530
60 days
to 25 Dec
Fine
Lowest £9,260
90 days
to 24 Jan
Tight
Lowest £2,600
You see the next 90 days in green, amber or red, and can try any ‘what if’ you like.
If trouble's coming, you get a text on Monday morning, weeks before it reaches the bank.

See it in action

Coldridge Builders is a made-up building firm in Braintree. This is its next 90 days from today, with customers paying about two weeks late, as most do. Move the sliders, choose how late people pay and watch the colours change.

Bank balance, next 90 days

In the bank this morning £12,230

Cash gets tight around 7 January, the week the VAT bill goes out.

You'd dip under your £5,000 cushion, down to £2,600 on 11 January.

30 days
to 25 Nov
Fine
Lowest £6,530
60 days
to 25 Dec
Fine
Lowest £9,260
90 days
to 24 Jan
Tight
Lowest £2,600

Try a what if

SalesSame as now

Work you haven't invoiced yet. Sent invoices stay as they are.

BillsSame as now

Every bill except VAT, which is already set.

How late customers pay

What moves the needle

Getting paid on time is worth £17,000 to you in January.

Extra money in the bank on 11 January, your tightest day.

Getting paid on timeBiggest+£17,000
Bills 10% lower+£5,713
10% more sales+£1,960

Monday's text to Dean

Cash check, Monday 2 November, 7:00

Morning Dean, your cash check for the week. Cash gets tight around 7 January, the week the VAT bill goes out. Getting paid on time is worth £17,000 to you in January.

See every payment in and out

Date	What	Amount	Balance
Today	In the bank this morning		£12,230
28 Oct	Builders' merchant account	−£4,800	£7,430
29 Oct	Extension, Cressing: finalDue 15 Oct	+£4,800	£12,230
30 Oct	Wages for the team of three	−£2,150	£10,080
2 Nov	Yard and unit rent	−£950	£9,130
2 Nov	Your own pay	−£2,600	£6,530
3 Nov	Bathroom, BraintreeDue 20 Oct	+£3,400	£9,930
5 Nov	Fuel cards	−£640	£9,290
6 Nov	Wages for the team of three	−£2,150	£7,140
10 Nov	Phones, software and bank charges	−£210	£6,930
12 Nov	Bathroom refit, CoggeshallDue 29 Oct	+£3,900	£10,830
13 Nov	Wages for the team of three	−£2,150	£8,680
16 Nov	Van finance, two vans	−£690	£7,990
17 Nov	Kitchen extension, Great Notley: stage 2Due 3 Nov	+£5,600	£13,590
20 Nov	Wages for the team of three	−£2,150	£11,440
23 Nov	Wenmore Homes: plastering, plots 4 to 7Due 9 Nov	+£7,200	£18,640
23 Nov	Tax and NI on wages	−£820	£17,820
27 Nov	Wages for the team of three	−£2,150	£15,670
30 Nov	Loft conversion, Witham: stage 2Due 16 Nov	+£4,800	£20,470
30 Nov	Builders' merchant account	−£4,800	£15,670
30 Nov	Insurance renewal: van, tools and liability	−£2,860	£12,810
1 Dec	Yard and unit rent	−£950	£11,860
1 Dec	Your own pay	−£2,600	£9,260
4 Dec	Garden wall and patio, RayneDue 20 Nov	+£3,200	£12,460
4 Dec	Wages for the team of three	−£2,150	£10,310
7 Dec	Fuel cards	−£640	£9,670
8 Dec	Kitchen extension, Great Notley: finalDue 24 Nov	+£5,600	£15,270
10 Dec	Phones, software and bank charges	−£210	£15,060
11 Dec	Wages for the team of three	−£2,150	£12,910
15 Dec	Porch and drive, Black NotleyDue 1 Dec	+£4,200	£17,110
15 Dec	Van finance, two vans	−£690	£16,420
18 Dec	Wages for the team of three	−£2,150	£14,270
22 Dec	Tax and NI on wages	−£820	£13,450
23 Dec	Wenmore Homes: plastering, plots 8 to 11Due 9 Dec	+£7,200	£20,650
24 Dec	Wages for the team of three	−£2,150	£18,500
29 Dec	Loft conversion, Witham: stage 3Due 14 Dec	+£4,800	£23,300
29 Dec	Builders' merchant account	−£4,800	£18,500
31 Dec	Wages for the team of three	−£2,150	£16,350
4 Jan	Bathroom, Silver EndDue 21 Dec	+£3,400	£19,750
4 Jan	Yard and unit rent	−£950	£18,800
4 Jan	Your own pay	−£2,600	£16,200
5 Jan	Fuel cards	−£640	£15,560
7 Jan	VAT bill for last quarter	−£10,600	£4,960
8 Jan	Wages for the team of three	−£2,150	£2,810
11 Jan	Phones, software and bank charges	−£210	£2,600
12 Jan	Garden room, Rayne: stage 1Due 29 Dec	+£4,400	£7,000
15 Jan	Wages for the team of three	−£2,150	£4,850
15 Jan	Van finance, two vans	−£690	£4,160
18 Jan	Kitchen extension, Bocking: stage 1Due 4 Jan	+£5,400	£9,560
22 Jan	Wenmore Homes: plastering, plots 12 to 15Due 8 Jan	+£7,200	£16,760
22 Jan	Wages for the team of three	−£2,150	£14,610
22 Jan	Tax and NI on wages	−£820	£13,790

In the real thing the figures come from your bank feed and your invoices, and update every morning. Nothing here is saved.

Want to see your own next 90 days?

I'll connect your bank and your invoices to a simple forecast you can check on your phone, with a text on Monday morning if trouble's coming. I look after the whole online side of local businesses: the website, Google, enquiries and the AI tools that save time.

Message me on WhatsApp

WhatsApp 07733 260092
Call 07733 260092
david@rabbitrabbit.com
Braintree, Chelmsford and the surrounding areas