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Cash-flow forecast and scenarios

Compare a source-backed base cash-flow forecast with explicit timing and amount scenarios, daily balances and reserve-buffer warnings.

Input

Cash movements: id,date,direction,amount,description,certainty T1,2027-03-02,in,1200.00,Customer invoice for completed design work,expected T2,2027-03-03,out,900.00,Monthly office rent,confirmed T3,2027-03-08,out,450.00,Staff payroll,con…

Result

The base forecast closes at EUR 350.00. Delaying the expected EUR 1200.00 inflow by four days and applying 80% produces a scenario receipt of EUR 960.00 and a closing balance of EUR 110.00. Before that receipt arrives, the scenario falls…

Turn supplied cash movements into a transparent liquidity timeline. The AI classifies every movement from its description and provides an exact source quotation. Deterministic code keeps the original amounts and dates beside a configurable scenario, calculates day-end balances in cents and identifies reserve-buffer shortfalls. Source facts and planning assumptions stay separate.

Your texts, pages and images are processed on our own servers in the EU. Trust Center

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Who it is for

Small businesses, project teams and operations staff preparing a working liquidity overview from known balances and planned receipts or payments. The forecast is a planning draft for human review, not financial advice or a bank statement.

Typical uses

  • Compare expected customer receipts with rent, payroll and other outflows.
  • Model delayed receipts, changed payment timing and reduced expected inflows.
  • Keep movements outside the horizon visible rather than silently deleting them.
  • Review daily minimum balances even when the chart displays weekly points.

Example

Input

Cash movements: id,date,direction,amount,description,certainty T1,2027-03-02,in,1200.00,Customer invoice for completed design work,expected T2,2027-03-03,out,900.00,Monthly office rent,confirmed T3,2027-03-08,out,450.00,Staff payroll,confirmed Forecast start date: 2027-03-01 Opening balance: 500.00 Currency: EUR Forecast horizon in days: 14 Reserve buffer: 200.00 Scenario inflow delay: 4 Scenario outflow delay: 0 Scenario inflow percentage: 100 Scenario outflow percentage: 100 Expected inflow percentage: 80 Chart interval: Daily Review row order: Date order

Result

The base forecast closes at EUR 350.00. Delaying the expected EUR 1200.00 inflow by four days and applying 80% produces a scenario receipt of EUR 960.00 and a closing balance of EUR 110.00. Before that receipt arrives, the scenario falls to EUR -400.00. The original rows, shifted dates and reserve-buffer findings remain available for review.

A fixed example, shortened. Real results are AI-generated: please check them.

Price and limits

Price
usually 1–3 credits
Available with
Free, With package
Input limit
One page with up to 40,000 characters of HTML

Privacy

Processed on our own servers in the EU (Poland). Inputs and results are deleted after 7 days (Free) or 30 days (packages), or right after you see the result if you choose not to store them. Images are deleted right after processing.

In the API

Tool name: cashflow_forecast. Create a job with POST /api/v1/jobs and fetch the result with GET /api/v1/jobs/{id}. You find your API key in your account.

curl -X POST https://do4u.eu/api/v1/jobs \
  -H "Authorization: Bearer d4u_…" -H "Content-Type: application/json" \
  -d '{"tool": "cashflow_forecast", "url": "https://example.com/"}'

Full API documentation →

Questions and answers

Does the model calculate or change money?

No. It proposes source-backed categories only. Source amounts, signed cash movements, percentages, rounding and balances are computed by deterministic code.

What does the opening balance represent?

The balance immediately before the start date. Earlier source movements are excluded from both forecasts, even if a scenario delay would move their date into the horizon. They remain visible for review. The opening balance is never retroactively recomputed from these earlier rows; the table explicitly shows inclusion for both forecasts.

Does the weekly chart hide shortfalls?

No. Minimum balances and days below the buffer are computed daily. Weekly display only samples chart points and does not remove findings.

Is my text stored?

Only as long as needed: 7 days on Free, 30 days with a package – or not at all if you choose not to store it. Processing happens on our own servers in the EU (Poland).

Can I use the result right away?

Results are AI-generated. Please read them before you publish or send them.