Calendar and table
Two views of one month: a day grid with receipts, payments and balance, or a table with cash movement and end-of-day balance.
What a payment calendar and a cash gap are
A payment calendar is a schedule of future receipts and payments by day, together with the projected cash balance. A cash gap is a period when the projected balance on your accounts is negative: payments are due, but the money is not there yet. To learn how to avoid gaps, read the guide to payment calendars and cash gaps.
How the forecast is calculated
- Past days show actual operations.
- Today and future days are made up of open planned operations and unpaid remainders of commitments on their dates.
- The balance of future days starts from real cash today and accumulates day by day.
- Overdue operations (a plan or commitment dated in the past and still unpaid) are shown separately, with a count and the income and expense totals.
The calendar does not guess the future: it counts only what you have entered as a plan or a commitment.
What you can do
Cash gaps
For each gap you see the start and end, the number of days, the lowest balance and the date it happens. Gap days are highlighted.
Overdue payments
An alert shows how many planned operations and commitments were not closed on time and links to their list.
Planned and recurring payments
Planned operations can repeat daily, weekly, monthly, quarterly or yearly, and the calendar picks them up ahead of time.
Day details
Click a day to see its receipts, payments and balance, and open that day's transactions.
Filters, CSV, print
Filter by accounts and legal entities, move between months, export to CSV and print.
How it works in practice
Enter plans and commitments
Add planned payments and receipts, and supplier and customer invoices as commitments; set regular payments to repeat.
Open the month calendar
Check the totals: receipts, payments, end-of-month balance and the lowest balance with its date.
Check for gaps
If the report shows a gap, find the payment that causes it and open the transactions of that day.
Close the gap
Move the payment date, complete an overdue operation or speed up a receipt, and the calendar recalculates.
Who it is for and what it answers
The calendar is for owners and finance managers who are responsible for paying on time: salaries, rent, suppliers, taxes. It answers questions such as:
- Will we have enough cash for all payments this month?
- On which day will the money run out, and how deep will the gap be?
- Which payments are already overdue?
For example, today there is 4,000 EUR on the accounts. On the 10th a supplier must be paid 3,500 EUR, on the 12th salaries of 3,000 EUR are due, and a customer pays 5,000 EUR only on the 15th. The balance is 500 EUR after the 10th, -2,500 EUR after the 12th and 2,500 EUR after the 15th. The calendar shows a 3-day gap (from the 12th to the 14th) with a lowest balance of -2,500 EUR. The cash flow statement gives the overall picture of cash movement, and the business health indicators show the state of the business as a whole.
Frequently asked questions
What counts as a cash gap?
A cash gap is an unbroken run of days, starting from today, when the projected balance on your accounts is negative. For each gap the report shows the start and end dates, the number of days, the lowest balance and the date it is deepest.
How does the calendar know about future payments?
From what is entered in the system: open planned operations, recurring payments and unpaid remainders of commitments. The calendar does not invent receipts or payments. The more complete your plans, the more accurate the forecast.
How is the calendar different from the cash flow statement?
The cash flow statement totals cash movement for a period by category and account. The calendar spreads it over the days of one month and calculates the balance at the end of each day, so you can spot the day money runs short. For long periods and groupings, the cash flow statement is better.
What are overdue operations in the calendar?
Planned operations and commitments dated before today that have not been completed or paid. They are not placed on a particular day but shown in a separate alert with a count and totals. Complete the operation or move its date.
Can I export the calendar?
Yes. The month calendar can be downloaded as a CSV file that opens in Excel, and printed. The file follows the selected month and the filters by accounts and legal entities.