Bill timing cash-flow planner.
Spot gaps between bill dates and income dates with a daily closing-balance plan.
UNDERSTAND THE ESTIMATE
How to use this planner
Choose a date range and opening cash, then enter dated income and bills. Inspect daily closing balances, the first deficit and the additional opening buffer.
The calculation
Closing cash = opening cash + cumulative income − cumulative expenses. The additional opening buffer equals the magnitude of the most negative modeled closing balance, or zero if none is negative. Events on the same date are netted together.
Uses manually dated income and expenses. Day-end netting excludes intraday posting order, bank rules, interest and fees. Estimates are not financial advice.
CFPB budgeting guidance ↗ILLUSTRATIVE EXAMPLE
Follow the numbers
Start with 100. A bill of 150 arrives on day one, followed by income of 200 on day two. Day one closes at −50 and day two at 150. An additional opening buffer of 50 removes the modeled day-end deficit.
Does a nonnegative closing balance guarantee a payment will clear?
No. The model excludes intraday posting order, bank rules, interest and fees. Repeated events create local scenarios; they do not schedule actual payments or reminders.