See the Week Your Cash Position Dips — Free, From Your Own Invoices
An aged debtors report says what is owed; it does not say which week the money runs short. A running position with everything dated answers the question a small business actually asks on a Sunday evening.
The proof surface
Free path: the tool computes locally in this browser with no key and no account. Where an AI step helps, any free chat assistant works — free tiers exist (Google AI Studio, Groq), but plans and limits change, so check the provider's own page. No third-party service is claimed here as verified: UNCONFIRMED — model has no browsing access this session.
Why the flat version breaks
Aged debtor columns are thirty days wide by design, and a dip is usually a few days wide. Dating every invoice, bill and payment and running one balance across them shows the exact week the position goes thin.
How to use the cash position board in four passes
The cleared figure in the operating account, not one that includes an expected deposit or an overdraft facility. A board built on the optimistic figure shows no dip right up until there is one.
Wages, supplier runs, card fees and tax payments all land on known days. Invoices land on the day you realistically expect the money, which is rarely the due date.
A month can close comfortably and still dip below zero in the middle of it. The board flags the lowest point and the date it occurs, which is the number that decides whether to chase.
The invoice that lands just before the lowest point is the one worth a phone call today. Updating the board each week keeps the dip visible far enough ahead to act on.
SAMPLE DATA, NOT A VERIFIED CLAIM: the starter record is nine dated entries across three weeks with a two-day dip around the wages run and the tax payment. Replace these values with your own source before you rely on anything.
What breaks first
Using invoice due dates as payment dates
Terms are the date you may charge from, not the date a customer pays. Dating an invoice on its due date moves every deposit forward a week or two and hides the dip.
Leaving tax and wages off the board
Both are dated, both are certain, and both are larger than people remember. A board without them shows a comfortable month that does not exist.
Chasing the oldest invoice by default
The oldest is not always the one that matters. The board exists so the chase order follows the dip rather than the calendar.
What you pay otherwise
| The usual route | What it leaves out | Cost |
|---|---|---|
| An overdraft week | Bank charges and interest on a dip that one phone call would have prevented | fees plus interest |
| A bookkeeping retainer | Monthly fee for a report that arrives after the week it describes | $120–$400 a month |
| Paying a supplier late | Late-payment interest and a damaged relationship because the bank balance was misread | the relationship |
| This page + the free cash position board | Computed in your tab, result on screen before you type anything | $0 |
Try the free cash position board right here
Load the starter board and set the opening balance to 3000 to watch the dip deepen.
FIRST-LOAD · sample record filed
Take it into the free cash position board
The companion app runs the same logic with a numbered intake, three starter records, a stateful share link, the one-time printable layer, and the local history shelf.
Open the free cash position board →Keep the work if you will use it again
The full board: every entry dated, the running balance after each one and the lowest point with its date, unlimited re-runs.
The on-screen result is free and complete. The one-time layer adds a tangible file you keep and the saved history that comes with it.
Boundary: This builds a cash forecast from figures you enter; it is not accounting, tax or investment advice and it does not read your bank or accounting software. Dates and amounts are your own estimates — check the numbers against your accounts and take advice from an accountant before making commitments on the strength of the board.