Payment calendar

The payment calendar in the business book builds a forward forecast of your account balance over a week / month / quarter horizon and warns you in advance about a cash gap — the moment when the money in your accounts won't cover the planned payments. The forecast is assembled from data you've already entered; there's no need to duplicate payments by hand.

Where it lives

Open the business book and the “Payment calendar” tab (the menu hint reads “Forecast and cash gap”). On desktop and the web it is a dedicated screen with a horizon segment, KPIs, inflow/outflow bars and a payment calendar. On the phone, instead of the full screen there is a compact plate for the nearest payment or gap right on the business book “Summary”.

Horizon and metrics

The horizon switches with the “Week” / “Month” / “Quarter” segment. At the top are four metrics:

• Balance now — how much money is in the accounts today.
• Forecast for DD.MM — the expected balance at the end of the horizon.
• Expected inflows — the sum of incoming payments over the period.
• Expected outflows — the sum of outgoing payments over the period.

Below are per-day inflow and outflow bars (or per-week on a long horizon) and a payment calendar with a running balance: you can see on which day and by how much the balance dips. If the book has accounts in different currencies, the forecast is computed per currency — amounts in different currencies are not mixed.

Cash-gap warning

If the forecast balance goes negative on some day, a red banner lights up at the top — “A cash gap is forecast” — with the date and a hint to move payments or speed up receipts; the button leads to “Settlements”. If there is no gap, the banner is green: “No cash gaps are forecast” plus the minimum balance over the period. In the calendar, a day with a gap is marked, overdue payments carry an “overdue” tag, and estimated amounts (for example, tax) carry an “estimate” tag.

Where the payments come from

The calendar asks you to re-enter nothing — it assembles the forecast from what's already in the book:

• Planned transactions and settlements — expected payments by counterparty with dates.
• The tax calendar — quarterly USN advances and NPT payments, with the amount estimated from income accrued so far (see “Taxes”).
• Current account balances — the starting point of the forecast.

The more carefully planned payments are entered in “Settlements”, the more accurate the forecast. The Schedule a payment button on the screen adds a new expected payment without leaving the calendar.

Where to go next

• Business book — the settlements and planned transactions the forecast is built on.
• Taxes — tax deadlines and amounts in the payment calendar.
• Invoices & acts — the invoices you've issued and are waiting to be paid.