Plan your cash flow

Open Cash flow in the sidebar. The page has two halves: the last twelve months of money in and out of your
bank accounts on the left of the chart, and the next three months' forecast on the right; the two run together
as one line so you can see where you've been and where you're headed in a single glance.

The chart and the monthly table

Each month has two bars (money in and money out) and a line tracking your closing balance. Forecast months are
shown on a tinted background so you can tell them apart from history at a glance. The table underneath lists the
same figures month by month, with an "Unexplained" column for history: money that came in or went out of your
bank account that you haven't explained yet (Banking → Review). Explain it and the figure (and the report) get
more accurate.

Your starting point for the forecast is what your business holds right now: the balance your bank has told us
about for a connected account, or BusyBee Hub's own running total (opening balance plus every transaction) for
an account you're keeping by CSV, PDF import or manual entry. Transfers between your own accounts don't count
as money in or out anywhere on this page. Moving £500 from your current account to a savings account you also
hold doesn't change how much the business has, so it's excluded from both the history and the forecast.

Where the forecast comes from

The next three months' figures aren't a guess; every one of them is a real amount from somewhere else in
BusyBee Hub:

- Invoices you've sent that are still owed, on their due date.
- Bills you've received that are still unpaid, on their due date.
- Recurring invoices, at the amount of the last one raised (or the template, before the first run), the
usual number of days after each future run that your payment terms allow.
- Rent your tenants haven't yet paid, on the date each payment falls due.
- Tax deadlines with a real amount attached (a Self Assessment payment, a VAT bill) from your tax
timeline.
- Expected items you've added yourself, below the "What's coming" list (a grant, a deposit, a purchase
you're planning that isn't an invoice or a bill yet).

An invoice, bill or rent payment that's already overdue is pushed two weeks ahead in the forecast rather than
left sitting on today's date, on the basis that it's more likely to land a little late than to land at once,
and it's marked Estimate rather than Likely for the same reason. Everything else due on its actual date
is marked Likely.

What "below zero" means

If the running balance ever dips below zero across the three months (after every item so far, in the order
they fall), the page shows a warning naming the date it happens and the lowest point it reaches. Nothing has
gone wrong yet; it's a heads-up while you still have time to act. Three things usually help:

1. Chase what you're owed. An overdue invoice paid a few days earlier can be the difference.
2. Move a payment. If you control when a bill goes out, paying it a little later (where your supplier
allows) can smooth things over.
3. Look again once something changes. Record a payment, explain a transaction or send an invoice, and the
forecast updates the next time you load the page.

When the three months never dip below zero, the page says so in green instead, with the lowest point it still
expects to reach.