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Cash flow forecasting and treasury software

Cash flow forecasting software, from bank feed to decision

CX Cash reads your banks, books, billing and payroll every morning, rolls them into one cash position and forecasts it 13 weeks by week and 24 months by month. It marks the week the balance runs lowest, warns you when that week falls below your floor, and lets you test the fix before you make it.

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Private beta. Free during the beta. We set up each account by hand, one at a time.

01 Connect

BNK Banks 3 banks GL Books QuickBooks BIL Billing Stripe PAY Payroll Gusto CRD Cards Ramp
02 Position 4 accounts · 3 banks · 2 entities $2,401,000 03 Forecast · 13 weeks Low week W8, 30 Nov: $1,466,000
05 Protect · alert W8 is $34,000 under the floor 04 Decide · scenario Collect Acme’s $180K in W7: low $1,632,400
Out · scored weekly against the bank, shared with the board

Sample company with hypothetical figures. Each station of the pipeline is a section below.

Why weekly

Cash moves by the week and can leave in a day

Three facts set the rhythm of the practice: when payroll falls, how fast deposits can go, and what treasurers protect first.

Payroll cadence 70% of US private establishments pay weekly or every 2 weeks
In February 2023, 43.0% paid every 2 weeks and 27.0% weekly (BLS; the total is our arithmetic). A monthly model folds 2 or 3 biweekly paydays into one cell and cannot show which week they hit.
Deposit flight $40B+ left Silicon Valley Bank on 9 March 2023
Management expected over $100 billion more the next day, and about 94% of the bank's deposits were uninsured (Federal Reserve). A position checked at month-end cannot show a move that fast, or which bank it hits.
Treasury priority 61% of treasury professionals rank safety first
In the AFP's 2025 survey of 254 US treasury professionals, 61% named safety their top short-term investment objective, 35% liquidity and 5% yield (AFP via PR Newswire). The survey is sponsored by a fund manager and leans to larger organisations.

Try it

Find the low week in 13 numbers

The trough finder starts with $50,000 and ends the quarter at $30,000, yet week 7 dips to $11,000. Change week 6 to an outflow of $25,000 instead of $15,000: the quarter still ends at $20,000 and week 7 falls to $1,000. That week is the one a monthly total never shows.

The trough finder runs on 13 numbers you type. CX Cash fills them from your bank, books and payroll every morning.

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Private beta. Free during the beta.

// 01 Station · Connect

A forecast is only as current as the slowest feed it reads

A direct cash forecast starts from transactions: what cleared the bank, which invoices are open, which bills fall due and when payroll runs. Each source holds part of the next 13 weeks, so the forecast is only as fresh as the oldest of them.

By hand

Each Monday someone exports 4 bank statements, an aged receivables report and a bill list, pastes them into tabs and maps new vendors to categories. By Friday the paste is a week old, and a payment that never arrived shows up only when someone spots the gap.

In CX Cash

  • Banks and cards. Balances and transactions from Mercury, Brex, Chase, Wise and other US banks through Plaid, and card spend from Ramp. Every connection is read-only and refreshes each morning.
  • Books. Open invoices, bills, due dates and the chart of accounts from QuickBooks Online, Xero or NetSuite.
  • Billing and payroll. Stripe invoices and payouts; Gusto or Rippling pay runs, with dates and amounts known before they clear.
  • Anomaly detection. CX Cash learns each vendor's and customer's usual amount and timing, then flags a spike (a bill well above its range) and a silence (an expected payout, wire or debit that has not arrived).
  • Spreadsheets. Anything without a connection comes in from Excel or CSV during setup.
Five feeds refreshed by 06:00, and two payments that do not look right
  • BNK Banks 3 banks, 4 accounts · USD and GBP 06:00
  • GL Books QuickBooks Online · 46 open bills 06:00
  • BIL Billing Stripe · 128 open invoices 06:00
  • PAY Payroll Gusto · next run Fri 23 Oct 06:00
  • CRD Cards Ramp · $41,300 pending 06:00

Anomaly detection

  • Spike AWS bill of $61,800. Its usual range is $38,000 to $44,000, so this one is 40% above the usual high.
  • Silence Stripe payout expected Thu 8 Oct. Not received by Mon 12 Oct; payouts usually land within 2 business days.

Source: Sample company, hypothetical figures, as of Mon 12 Oct 2026.

↳ Passes to 02 Position Every transaction, open invoice, bill and pay run, categorised and no older than this morning.

// 02 Station · Position

Four accounts at three banks are one balance and three separate exposures

The cash position is where every forecast starts: what the company holds today, everywhere, in one currency. It is also the treasury view of the same money: which bank holds it, how much sits above deposit insurance, and how much is earning nothing.

By hand

Balances come from 3 bank portals at different times of day. The GBP account is converted at whatever rate is to hand, a transfer between entities shows up in both or in neither, and nobody adds up what each bank holds above the FDIC limit.

In CX Cash

  • Every account in one balance. All banks, entities and currencies in your reporting currency, each original balance beside its converted value.
  • Multi-entity roll-up. Subsidiaries roll up to the group. Intercompany transfers and loans are eliminated, so money moving between entities is never counted twice or forecast as a receipt. Foreign balances convert at month-end rates for reporting, with the daily rate beside them.
  • Bank concentration and deposit insurance. Each bank's share of cash and the amount above the FDIC's $250,000 cover, which applies per depositor, per insured bank, per ownership category, with a company's deposits at one bank added together (FDIC).
  • Idle cash. Balances in non-interest accounts above the operating buffer: the deepest drawdown in the 13-week forecast plus a cushion you set. Aswath Damodaran's verdict on such balances is that “cash left in a checking account, earning no interest, is wasting cash” (NYU Stern, 2005).
$1.7M of the $2.4M sits above FDIC cover, and $1.0M earns nothing

Cash position

$2,401,000

4 accounts · 3 banks · US parent and UK Ltd · USD and GBP

  • Bank A · US parent $1,680,000 Operating, Payroll · 70.0% $1,430,000 above
  • Bank B · US parent $520,000 Reserve · 21.7% $270,000 above
  • Bank C · UK Ltd $201,000 Operating · 8.4% Not FDIC-insured
  • Above cover, total$1,700,000

Idle cash

Non-interest balances$2,200,000 − Operating buffer$1,185,000 = Idle cash$1,015,000

The buffer is the deepest drawdown in the 13-week forecast ($935,000, from today to the low week) plus a $250,000 cushion. At the 13-week Treasury bill's 4.11% coupon-equivalent yield on 2 October 2026 (US Treasury), the idle balance forgoes about $41,700 a year (our arithmetic).

Source: Sample company, hypothetical balances; GBP converted at a hypothetical month-end rate of 1.34. FDIC cover of $250,000 per depositor, per insured bank, per ownership category (FDIC).

↳ Passes to 03 Forecast One opening balance, by entity and currency, with the risk attached to each dollar.

// 03 Station · Forecast

Thirteen weekly columns show the low point a month-end balance hides

The near-term forecast uses the direct method: expected receipts minus expected payments, week by week, built from the transactions themselves. The accounting standard makes the case for it: “The direct method provides information which may be useful in estimating future cash flows and which is not available under the indirect method” (IAS 7, paragraph 19).

By hand

The 13-week spreadsheet rolls forward by hand every Monday. Receipts go in on invoice due dates even for customers who always pay 3 weeks late, and the 24-month model lives in another file with other numbers.

In CX Cash

  • 13 weeks by week, 24 months by month. Weekly receipts and payments for the next quarter, then monthly to 24 months for runway and the zero-cash date. Both read the same ledger, so the two views agree.
  • Receivables and payables by due date. Each open invoice lands in the week its customer is likely to pay, adjusted by that customer's own payment history. Each bill lands in the week it falls due, and payroll on its pay date.
  • The low week, marked. The lowest projected balance, the week it lands and the lines that put it there, drawn against your cash floor.
  • A ranked collections worklist. Open invoices sorted by how much collecting each one earlier would lift the low week, with the customer's usual delay beside it.
Every month-end balance stays above $1.67M, but week 8 drops to $1.47M, under the floor
$1.4M $1.8M $2.2M Floor $1.5M W8 · 30 Nov $1,466,000 W1W4W8W13
Weekly closing balance Month-end balance, as a monthly model sees it Cash floor

Weeks 6 to 8 carry 2 US pay runs, the cloud commitment and 3 weeks of vendor bills, $660,000 out against $150,000 in. Acme's $180,000 invoice is due on 7 December, the Monday after the low week.

Source: Sample company, hypothetical flows: $2,401,000 opening cash on 12 Oct 2026, US payroll of $230,000 every 2 weeks, UK payroll of $60,000 every 4 weeks, $35,000 of vendor payments a week, a $120,000 renewal bundle in week 3 and a $95,000 cloud commitment in week 7. The vertical axis starts at $1.3M.

Your own low week, marked, within 2 business days of a 45-minute setup call.

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↳ Passes to 04 Decide The low week, its amount and the lines that cause it.

// 04 Station · Decide

A cash decision should be judged by what it does to the low week

Once the low week is known, the remedies are ordinary: collect earlier, pay later, hire later, borrow or raise. Each has a cost and each moves the low week by a different amount, so the comparison that matters is the low balance and the runway after each move.

By hand

Each what-if becomes a copy of the spreadsheet. By the third copy nobody is sure which one holds this week's actuals, and the board sees one number with no alternatives.

In CX Cash

  • Scenarios on the live forecast. Pull a collection forward, push a payment, delay or add a hire, draw on a credit line or add a raise. Each scenario is a named set of changes to the base forecast.
  • Compared on the numbers that decide. Low week, low balance, distance to the floor, runway and the cost of the move, side by side.
  • Kept current. Saved scenarios re-run on each morning's data, so a decision taken on Monday is still checked on Friday.
Pulling one invoice forward clears the floor; delaying a hire does not

  • Base forecast

    Low week
    W8 · 30 Nov
    Low balance
    $1,466,000
    Against the floor
    −$34,000
    Runway
    12.2 months
    Cost
    None

  • Pull Acme’s $180K invoice into week 7

    Low week
    W10 · 14 Dec
    Low balance
    $1,632,400
    Against the floor
    +$132,400
    Runway
    12.2 months
    Cost
    $3,600 early-payment discount

  • Delay one hire by 8 weeks

    Low week
    W8 · 30 Nov
    Low balance
    $1,485,200
    Against the floor
    −$14,800
    Runway
    12.4 months
    Cost
    8 weeks of that role’s output

  • Draw $500K on the credit line in week 7

    Low week
    W6 · 16 Nov
    Low balance
    $1,761,000
    Against the floor
    +$261,000
    Runway
    14.7 months
    Cost
    Interest, and $500K to repay

Source: Sample company, hypothetical figures. Runway is the months from 12 Oct 2026 to the forecast zero-cash date, at $200,000 of monthly net burn after week 13; the credit line's runway is before repayment.

↳ Passes to 05 Protect The decision you take, as the new base, with its floor attached.

// 05 Station · Protect

A cash floor protects you only if it warns you weeks ahead

A floor is the lowest balance the company accepts: a lender's minimum-cash covenant, 3 months of payroll, or a figure the board has agreed. Protection means hearing about a breach as soon as it enters the 13-week window, and catching the odd payment before it repeats.

By hand

The floor lives in someone's head or in a covenant schedule. The breach is noticed when the balance gets close, which is when the cheap remedies have run out.

In CX Cash

  • Floor alerts. When any week in the next 13 dips below the floor, CX Cash sends an email and a Slack message with the week, the amount and the lines that cause it.
  • Anomaly alerts. Spikes and silences from station 01 go to the same channel, with the usual range beside the new amount.
  • Ask the AI CFO. Type a question about your cash in plain English, such as why does cash dip in week 8? or how much do we hold above FDIC cover?, and the answer comes back with the figures, each cited to the transaction, invoice, bill or pay run it comes from. The same AI CFO answers questions about budgets, metrics and the cap table.
The alert arrives 7 weeks before the week it warns about

# finance-cash

CX Cash APP 06:02

Cash floor: week 8 (30 Nov) is projected at $1,466,000, $34,000 under your $1,500,000 floor.

  • US pay runs of $230,000, 20 Nov and 4 Dec
  • Cloud commitment of $95,000, due 25 Nov
  • Acme's $180,000 invoice, due 7 Dec

Open forecastCompare scenarios

CX Cash APP 06:02

Spike AWS bill of $61,800, 40% above its usual high of $44,000.

AI CFO

Why does cash dip below the floor in week 8?

Week 8 closes at $1,466,000, $34,000 under the floor. Weeks 6 to 8 carry 2 US pay runs of $230,0001, the $95,000 cloud commitment2 and $105,000 of vendor bills, against $150,000 of receipts. Acme's $180,000 invoice is due on 7 Dec, in week 93; collected in week 7 for a 2% discount, it lifts the low to $1,632,400.

  1. 1Gusto · pay runs 20 Nov and 4 Dec
  2. 2QuickBooks bill · cloud commitment · due 25 Nov
  3. 3Stripe invoice · Acme · due 7 Dec

Source: Sample company, hypothetical figures. The alert is sent on Mon 12 Oct 2026, when week 8 first shows below the floor.

↳ Passes to the output A warning with its cause attached, weeks before the week itself.

// Out Score and share

A forecast earns trust by scoring itself against what cleared the bank

Every forecast misses by some amount; what matters is how much, in which lines and in which direction. Lenders already work this way. Li-Cycle's 2025 debtor-in-possession term sheet required an updated budget and a variance report every Friday, with management commentary on any line that varied by 10% or more (SEC filing).

By hand

Last month's forecast is overwritten when the weeks roll forward, so there is nothing to compare against. When someone does compare, it is the total, where late receipts and early payments cancel each other out.

In CX Cash

  • Every forecast kept. Each week's forecast is frozen when the week starts and compared, line by line, with the transactions that cleared.
  • Error by category. Weighted absolute error and bias for receipts, payroll, vendors, cards and one-offs over the last 8 and 13 weeks, so you see which assumption keeps missing, and which way.
  • A score against a naive forecast. The forecast is also scored against the simplest alternative, each line repeating its trailing 4-week average. Below 1, the forecast adds information.
  • Board-ready. Position, low week, runway, scenarios and forecast error export to PDF or Excel, or go out as a live read-only link that refreshes each morning.
Receipts carry most of the error, and they arrive late
  • Customer receiptsCash arrives later than forecast Forecast $1,120,000 Cleared $1,010,000 Bias +10.9% 17.4%
  • Payroll, US and UKOn target Forecast $920,000 Cleared $924,600 Bias −0.5% 0.5%
  • Vendors and cloudBills run higher than forecast Forecast $410,000 Cleared $432,000 Bias −5.1% 9.0%
  • CardsSpend runs higher than forecast Forecast $168,000 Cleared $187,000 Bias −10.2% 13.0%

Against a naive forecast

0.64

Average miss as a share of a forecast that repeats each line's trailing 4-week average. Below 1, the forecast earns its keep.

Source: Sample company, hypothetical forecasts and cleared transactions for the 8 weeks to Fri 9 Oct 2026. Error and bias as defined in the method table below.

See the whole pipeline on your own data, from this morning's bank feed to a decision you can defend at the board.

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Treasury

Where the cash sits decides what protects it

Protecting cash is the third job of the position, after seeing it and forecasting it. Four places hold most startup cash, and a different rule protects each one. CX Cash reads all four and shows the protection beside the balance. It does not move money.

Four places to hold cash, four different protections

  1. 01Operating or reserve account at a US bank

    What protects it
    FDIC insurance of $250,000 per depositor, per insured bank, per ownership category; a corporation's accounts at one bank are added together (FDIC; 12 CFR 330.11).
    How liquid it is
    Cash itself: accounting counts demand deposits as cash (IAS 7).
    What CX Cash shows
    Balance per bank against the cover, the amount above it and the bank's share of cash.

  2. 02Insured sweep network

    What protects it
    Spreads deposits across network banks to extend FDIC cover. The network operator is not itself an FDIC-insured bank, and conditions apply for pass-through cover (IntraFi).
    How liquid it is
    Banks must disclose in writing whether swept funds are deposits and, if not, their status if the bank fails (12 CFR 360.8).
    What CX Cash shows
    Placements by program bank, flagged where one overlaps a bank you already use, since both count against the same $250,000.

  3. 03Government money market fund, held at a broker

    What protects it
    At least 99.5% of assets in cash, government securities or fully collateralised repo (Rule 2a-7). It is not a deposit: SIPC covers up to $500,000 if the broker fails, but not a fall in value (SIPC).
    How liquid it is
    Shares are redeemable on demand (SEC, 2023).
    What CX Cash shows
    Fund, custodian and balance, counted as a cash equivalent and kept apart from deposits.

  4. 04Treasury bills

    What protects it
    Obligations of the US Treasury, issued for 4 to 52 weeks (TreasuryDirect).
    How liquid it is
    Trades settle the next business day (SEC, 2023); a bill held at TreasuryDirect must stay 45 days before it can be sold through a bank or broker (TreasuryDirect).
    What CX Cash shows
    Each bill's maturity placed in the forecast as a receipt in its week.

Source: The regulators and issuers linked in each row. CX Cash reads these balances; it does not hold, move or invest money.

Method

Every figure on the screen has a formula you can check

Each figure is the one a finance team would compute by hand, written down so it can be checked. The cash flow forecasting guide sets out the practice in full, and our comparison of cash flow forecasting tools covers the other software in this category.

How CX Cash computes the figures on this page
Cash position
sum of available balances, all accounts, in reporting currency
Foreign balances at the month-end rate for reports and the daily rate for the live view; intercompany transfers in transit counted once.
13-week forecast
closing(w) = closing(w − 1) + receipts(w) − payments(w)
Direct method. Receipts by each customer's expected pay date, bills by due date, payroll by pay date.
Low week
min of closing(w) for w = 1 to 13
Shown with its date, its distance to the floor and the lines that cause it.
Runway
cash ÷ average monthly net burn, trailing 3 months
The board's figure. A scenario cannot change it, because it looks back.
Zero-cash date and forecast runway
first period where forecast closing < 0; months from today to that date
Weekly to week 13, then monthly to month 24. Scenarios compare on this figure, because a decision changes the future.
Exposure above FDIC cover
max(0, deposits at one bank in one ownership category − $250,000)
Insured sweep placements at a bank you already use are added to your direct balance there.
Idle cash
non-interest balances − (deepest 13-week drawdown + cushion)
The drawdown is today's position minus the low-week balance; you set the cushion.
Forecast error
Σ|forecast − actual| ÷ Σ|actual|, by category, last 8 and 13 weeks
A weighted absolute error. Week-by-week percentage errors are infinite or undefined when an actual is zero (Hyndman & Koehler, 2006), and many weekly lines are zero, such as payroll in a week without a pay run.
Bias
Σ(forecast − actual) ÷ Σ|actual|, by category
Positive on receipts means cash arrives later than forecast.
Score against a naive forecast
MAE(forecast) ÷ MAE(trailing 4-week average)
A relative error: below 1, the forecast beats the simple benchmark (Hyndman & Koehler, 2006).

Source: CX Cash definitions. Amounts in the reporting currency.

Built for a startup's weekly cash call, and not for a corporate treasury desk

Built for

  • ✓Startups and growing companies with cash in 2 or more accounts, or in more than one entity or currency.
  • ✓A finance lead or founder who runs a weekly cash call and reports runway to a board.
  • ✓Companies with a lender's minimum-cash covenant, or a payroll that must never be late.
  • ✓Teams that want each forecast checked against the bank without building the check.

Not the right fit if

  • ✕You need to execute payments, sweeps or investments from the same tool. CX Cash is read-only: it shows where cash could move and cannot move it.
  • ✕You run a corporate treasury with hedging, in-house banking or hundreds of accounts across dozens of banks. A full treasury management system fits better, and our comparison of treasury software covers the options.
  • ✕Your cash sits in one account with steady inflows and a large buffer. Even a treasury software vendor concedes that a company with steady inflows and a high valuation has less need of a short-term model (Ripple Treasury); the free 13-week model below may be all you need.
  • ✕Your banks are outside the US and not on Wise. Their balances come in from statement exports until a connection exists.

Security and your data

  • Read-only access

    CX Cash reads balances and transactions. It cannot move money, pay bills or post entries to your books.

  • Encrypted

    Data is encrypted in transit (TLS) and at rest.

  • Revocable at any time

    Disconnect any source from CX Cash or from the connected service, whenever you choose.

  • Your data leaves with you

    Export forecasts, budgets and metrics to Excel or CSV at any time. We never sell your data.

Free template

13-Week Cash Flow Model + Forecast Template

Thirteen weekly columns with three receipt lines and seven payment lines. Fill the yellow cells and closing cash turns red in any week the balance goes negative.

The preview is the file itself: live formulas and worked sample numbers, yours to keep whether or not you use CX Cash.

Free download. We'll email you the link.

Private beta · Free during the beta

Get started with CX Cash

Start onboarding in the app. We set up each account by hand, one at a time. Free during the beta.

  • Done-for-you setup. We connect your systems and build your first view with you on a 45-minute call. You do not map accounts or build a model.
  • First results in 2 business days. Your first forecast, budget view or metrics pack is ready within 2 business days of the setup call.
  • Spreadsheets welcome. Anything without a connection comes in from an Excel or CSV export, and your existing model can be the starting point.

Ask about any of these numbers in plain English: the AI CFO answers from the same calculations and links every figure to the records behind it.

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Questions

Is CX Cash available now? +

It is in private beta. Get started from this page to begin onboarding in the app. We set up each account by hand, one at a time.

What does CX Cash cost? +

CX Cash is free during the beta. Pricing for after the beta has not been published yet.

What does cash flow forecasting software do? +

It reads your bank, accounting, billing and payroll data, projects receipts and payments forward and shows the balance they leave week by week. CX Cash forecasts 13 weeks by week with the direct method and 24 months by month, marks the lowest week against your cash floor and scores each forecast against what cleared the bank.

Which banks and tools does CX Cash connect to? +

QuickBooks Online, Xero or NetSuite for invoices, bills and the chart of accounts; Mercury, Brex, Chase, Wise and other US banks through Plaid for balances and transactions; Stripe for billing; Gusto or Rippling for payroll; Ramp for cards. Connections are read-only and refresh daily. Anything else comes in from Excel or CSV during setup.

Is CX Cash treasury management software? +

It covers the treasury work a startup needs: one cash position across banks, entities and currencies, bank concentration and FDIC exposure, idle cash above the operating buffer, and the forecast. It does not execute payments, hedge currencies or run an in-house bank; for that, see our comparison of treasury management software.

How does CX Cash measure forecast accuracy? +

It freezes each week's forecast when the week starts and compares it with the transactions that cleared. Error is the sum of absolute misses divided by the sum of actuals, by category, over the last 8 and 13 weeks, shown with its direction (bias) and with a score against a naive forecast that repeats each line's trailing 4-week average.

How quickly do I get a forecast? +

Within 2 business days of a 45-minute setup call. On the call we connect your accounts with you and agree the recurring payments the forecast should carry.

Do I need accounting software? +

No. Bank data alone gives a direct cash forecast. Connecting your accounting system adds open invoices and bills by due date, which makes the next 13 weeks more accurate.

Is my financial data secure? +

Connections are read-only: CX Cash cannot move money, pay bills or post entries. Data is encrypted in transit and at rest, you can revoke any connection at any time, and we never sell your data.

What is the difference between a 13-week forecast and runway? +

Runway is cash divided by monthly net burn: one number for how long the money lasts. A 13-week forecast shows the path week by week, including the low week that runway averages away. CX Cash keeps both in one model, with a forecast runway that moves when you test a decision.

Go deeper on Cash Flow Forecasting & Projections

Read more on Cash Flow Forecasting & Projections →

Sources

Figures without a cited source are CX Cash's arithmetic on the cited data. The sample company in the pipeline, the exhibits and the screenshots is hypothetical: its accounts, flows, scenarios and forecast scores are illustrations, computed consistently with one another.