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” menu item. It is a dedicated screen with a horizon segment, KPIs, inflow/outflow bars and a payment calendar — on desktop, on the web and on the phone. On the phone it opens from the ··· menu in the business book header (the item carries the hint “Upcoming payments and cash gaps”) or by tapping the compact plate for the nearest payment on the “Summary”; “Schedule a payment” sits in the screen's own header.
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 — and a new counterparty for it can be created right from the counterparty picker in the form (see “Settlements”).
Footnotes under the calculations
The ¹ mark by the inflow and outflow bars and by “Payment calendar” points to a footnote at the bottom of the screen: balances are forecast from the book’s planned transactions, settlements and tax calendar, and actual receipts and payments may arrive on other dates and in other amounts. The line below reminds you that the calculations are for reference only and are not an individual recommendation: you make your own decisions based on them (section 6 of the License Agreement).
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.