Cash Forecasting

What Flocuity does for your cash

Flocuity builds your cash flow forecast from your own history, keeps it up to date, and tells you what it means. Here’s what you get, or read how a 13-week cash flow forecast works.

The forecast

One sentence tells you if you’re OK

The Dashboard opens with one sentence: you’re fine, or you aren’t, and when, and the best fix if you aren’t. Below it, the money coming in and going out, day by day, and your balance against your cushion. The cash flow projection looks 13 weeks out by default, or switch to days or months.

Built from your recurring items, your payroll, your taxes and your trends
Tap or click any day to see exactly what’s in it
Tracks how close past forecasts came, so you know how far to trust it
Turn on Show history to see the last 13 weeks from your bank beside the next 13
Simplified for a quick look, Detailed for every line behind it

The top of the Dashboard: You dip below your $30,000 cushion the week of Nov 16. Lowest point: $17,010 on Fri, Dec 4. Further down, the balance week by week against the cushion line.

Money in and money out

Every bill and invoice in one list

Flocuity keeps one list of everything it expects, and it’s quick to correct.

Recurring bills and income found in your history automatically
Open invoices and bills with due dates, in date order
Past-due invoices and bills from your books are flagged and moved two weeks out, or on Plus, an invoice to the day its customer usually pays
Invoices more than 90 days past due are left out until you say otherwise

Coming up in the Detailed view, a week at a sample café: each bill and invoice on its day, where it comes from, its amount in or out, and the balance after it.

Cushion and alerts

Know about a tight week while there’s still time to fix it

A shortfall you see six weeks out is a phone call to a customer or a bill moved by a few days. One you see on the day is a missed payroll. Flocuity is built to give you the six weeks.

Set the balance you never want to go under
See what your cushion is made of: tax set aside, a payroll reserve, and your own margin
The verdict names the week, the cause and the shortfall
The lowest point on each outlook: Cautious, Expected and Optimistic
A Monday email with the week ahead, for every member who wants it

The Dashboard's verdict: You dip below your $30,000 cushion the week of Nov 16. Lowest point: $17,010 on Fri, Dec 4. Further down, the lowest point on each outlook: Expected, $17,010 on Fri, Dec 4; Your budget, $6,878 on Fri, Dec 4; Cautious outlook, $11,797 on Fri, Jan 1; Optimistic outlook, $20,084 on Fri, Dec 4; “Busy holiday season” scenario, $19,909 on Fri, Dec 4; “Lose the Harbor Events account” scenario, $8,350 on Fri, Jan 1.

Taxes

Quarterly payments that never sneak up on you

Flocuity reads your tax payments from your history, works out their rhythm, and puts the next ones in the forecast. It’s an estimate to plan with. Your tax return still comes from your accountant.

Payroll, income, sales, property and entity taxes, each on its own schedule
Estimated income tax from your profit so far this year, worked out from your bank history
An amount to set aside, held back inside your cushion
Due dates placed in the forecast ahead of time
How much you can safely take out as owner pay this month, with your cushion and the next tax payment left alone

Taxes ahead on the Dashboard: each tax payment coming up, with its due date and amount, worked out from the bank history.

Debt & credit lines on Standard and Plus

Every loan, line and card, with its payments in the forecast

What you owe is part of where your cash is headed. Flocuity puts every payment on the day it leaves the bank, and the Lender Package reads the same schedule.

Each loan, line of credit and card in one place, with its balance, rate and payment day
Loan payments found in your bank history, offered for adding in one click
Each loan payment split into interest and principal once you give it a rate, with the payoff date and a full amortization schedule; cards are counted on their payment day
A warning when a balloon payment falls due within the next year, when a line or card is 80% drawn or more, and when a payment is too small to shrink the balance

Debt & credit lines, Term debt: each loan with its balance, rate, payment and payment day, the interest and principal in the next payment, and its payoff date.

Scenario Planning on Plus · reports on Standard and Plus

For the detail-minded

The Detailed view opens up everything behind the forecast. Change an assumption and see the effect at once.

Growth, a slow or busy month, and one-off assumptions by category
What-ifs you can save: slower collections, a lost customer, a new hire, a price rise
Reports by category and period, forecast against actual
Export to Excel
An activity log of who changed what

Scenario Planning on the Cautious outlook: four sliders (customers paying late, invoices collected, the sales and cost trends) and a chart of Expected against these settings. Each week at its lowest day, over the next 13 weeks. It redraws as you move a slider.

The 13-week grid

The 13-week spreadsheet that fills itself in

In the Detailed view, the forecast is the spreadsheet you’d build yourself, except it fills itself in from your bank and your books and rolls forward on its own.

A column for every week, a row for every category, with the starting and ending balance
Switch to a row for every customer and vendor
Tap or click any week to see each payment in it, and where it came from
Export to Excel for your own model or your accountant

The 13-week grid in the Detailed view: a column for every week and a row for every category, from the starting balance down through money in and money out.

Customer payment patterns on Plus

Net 30 rarely means 30

A forecast that assumes every customer pays on the due date is wrong about the customers who matter most. Flocuity learns how each one actually pays and plans for it.

How many days early or late each customer really pays, from invoices already paid
A customer gets their own figure once four of their invoices have been paid
Their open invoices are dated by that habit, and never before the due date
Who to chase first, and who is paying slower lately
Needs QuickBooks Online or Xero, where the paid invoices come from

Customer payment patterns: how late each customer really pays, with a dot for each paid invoice. Bayview Realty, typically 30 days late; Harbor Events, typically 13 days late; Northside Coworking, typically 6 days late; Lumen Health Partners, typically on time; St. Mary's Parish, typically on time.

Customers on every plan · the Vendors tab on Standard and Plus

Who pays you, who you pay, and what’s changing

Customers and vendors are the people behind the lines. Flocuity keeps a page for each one and says when something about them changes.

One line per customer, however your bank describes them, and a page for each with their invoices, payments and history
A word when one customer is a large share of what comes in, or a regular payer is later than usual
Every vendor’s last 12 months beside the 12 before, so a cost that has crept up stands out
Vendors paid $2,000 or more this year by check, ACH or wire, listed for a 1099 check
Your payment terms per vendor: pay ten days after the due date, or early for a discount, and their bills are dated that way
Checks on every plan: paid twice, far bigger than usual, a price that went up, a subscription you pay for twice

The Vendors tab: every vendor, largest first, with what was paid in the last 12 months against the 12 before, and what is due.

Staffing Model on Standard and Plus · planned hires and raises on Plus

Plan payroll person by person

The Staffing Model feeds straight into the forecast, so a new hire, a raise or a departure shows up in the weeks it actually hits your bank.

Each person’s pay, schedule, start and end dates
Employer payroll taxes calculated for you
Planned hires and raises: see the effect on cash before you make the offer
Pay details are private to the people you choose
Import and update the team from a spreadsheet, or from Square with its timecards

A planned hire in the Staffing Model: Noah Kim (Pastry cook) starts Mon, Nov 2: about $1,417 a pay period with employer taxes. With Noah, your lowest point moves from $21,261 to $17,010, on Fri, Dec 4. A chart shows the forecast with and without the hire, week by week.

Budget on Plus

What you meant to spend, against what you did

Set what each category should come to, and watch the year against it. The budget sits beside your forecast and never changes it.

A figure per category per month, started from last year or from the forecast
Budget, actual and forecast on one line, so a category going over shows early
Export the whole year to Excel

The Budget grid: a figure for each category and month, and under it the actual for a month gone or where the forecast says the month ends, in green, amber or red against the budget.

Idle cash

See what your spare cash could be earning

Many businesses leave tens of thousands in a checking account that pays nothing, because nobody is sure when it will be needed. The forecast answers that question.

How much of the balance the forecast says you won’t need, and for how long
What it would earn at a rate you type in
Worked out at your own rate. We don’t recommend banks or accounts.

Idle cash: the cash above the target, two ways. Above target on an average day $42,442 Each day’s balance over your target, averaged over 13 weeks; Above target the whole time $14,800 Never needed back in the next 13 weeks. A drawing shows the part never needed back and the part that comes and goes.

Lender Package on Plus

Ready when the bank asks

Every loan or credit line application asks for the same handful of schedules. Flocuity builds the cash ones from numbers you already keep, plus one page a spreadsheet can’t: where each figure came from and how current it is. Your statements and tax returns still come from your accountant.

A twelve-month projection, and the same twelve months in the Cautious outlook
Your business debt schedule, with the columns a bank’s own form has
Receivables and payables aging
A page saying where every figure came from and when it was last updated
Download as Excel, or print it

The Lender Package's twelve-month projection. Where each month ends over the next twelve months: Expected from $49,483 to $40,164, Cautious to -$125,519. Lowest point $15,939 in Jul 2027; on Cautious, -$132,042 in Sep 2027.

Getting your data in

About ten minutes to set up

A few short questions, one per screen, get everything the forecast needs, so we won’t come back asking for more. There’s more than one way to get your numbers in, and they aren’t equally good. Here they are, best first.

Best
Connect your bank and QuickBooks Online or Xero
about 2 minutes
Your bank gives today’s balance and every transaction as it lands. QuickBooks Online or Xero adds the categories you’ve already picked, and the invoices and bills that haven’t been paid yet.
Good
Connect QuickBooks Online or Xero
about a minute
Balances, a categorized bank register and every open invoice and bill. It stays current on its own, but only as current as your books. A bank transaction nobody has reviewed in your books yet won’t show up.
Good
Connect your bank
about a minute
You sign in at your own bank and we get read-only access to balances and transactions. Up to two years of history is read at once, and new transactions arrive on their own, though your unpaid invoices and bills are not in a bank feed.
Always available
Upload a bank export
CSV or Excel, from any bank, with nothing to connect. Flocuity figures out the columns and won’t count the same file twice. Your forecast is only as current as your last upload.

Add it by hand
A bill, an invoice or a one-time item, in seconds, right where the list is.
Sorted for you
Transactions are categorized automatically. Correct one, and Flocuity remembers it for that payee from then on. Payments it can’t place wait under To file, once per payee.

Which apps connect

Connects directly: Your bank, through Plaid, QuickBooks Online or Xero, Square and Stripe. All read-only.
Payroll services: Gusto, ADP, Paychex and the rest: Not connected. Payroll comes from your bank history, or person by person from the Staffing Model (Standard and Plus), which you can fill in from a spreadsheet all at once.
PayPal, Shopify and Amazon: Not connected. Their payouts land in your bank. Flocuity recognizes them as payouts and forecasts them from your recent pattern.
QuickBooks Desktop and other accounting software: No connection yet. Connect your bank, and add open invoices and bills yourself or from a spreadsheet. How that works

The pictures on this page are the app itself, with the made‑up numbers of a sample café. The idle cash picture is a second sample business: the café dips under its cushion, so little of its cash sits idle for long.

Try it with your own numbers

Answer a few questions, add your bank history, and see the next 13 weeks in about ten minutes. You don’t enter a card until you’ve seen your forecast.

Start free trial See pricing