Projections
Cash expected in and out, month-over-month trend and drift alerts. Every number is arithmetic from your bills and invoices; the model only writes the summary.
As of 21 Oct 2026: the day after the latest document (20 Oct 2026), because the sample bills run past today (18 Oct 2026). Starting there keeps every bill known and the calendar forward-looking. Pick another date to replay what was known then. From 40 vendor bills and 13 issued invoices in USD.
Cash out, next 30 days
$36,316.35
Range: no spread
Cash in, next 30 days
$56,040.32
Range: no spread
Past due bills on 21 Oct 2026
$7,832.75
1 bill: MF-1016 · 2 invoices owed to you: $13,070.12
| Period | Cash in (expected, low – high) | Cash out (expected, low – high) | Net |
|---|---|---|---|
Next 30 days 21 Oct 2026 – 19 Nov 2026 | $56,040.32 no range | $36,316.35 no range | $19,723.97 no range |
Next 60 days 21 Oct 2026 – 19 Dec 2026 | $56,040.32 no range | $36,316.35 no range | $19,723.97 no range |
Next 90 days 21 Oct 2026 – 18 Jan 2027 | $56,040.32 no range | $36,316.35 no range | $19,723.97 no range |
| After 19 Jan 2027 | $0.00 | $0.00 | $0.00 |
Per week
- Cash in
- Cash out
- Low – high range
Open items (18)
3 past due on 21 Oct 2026; they are expected from the as-of date on.
| Document | Counterparty | Amount | Due | Expected | Window |
|---|---|---|---|---|---|
| INV-0009 Cash in | Great Lakes Outdoor Supply | $8,865.12 | 15 Oct 2026Past due | 21 Oct 2026 | 21 Oct 2026 all-vendor history |
| INV-0008 Cash in | Lakeview Manufacturing Co. | $4,205.00 | 8 Oct 2026Past due | 21 Oct 2026 | 21 Oct 2026 own history |
| MF-1016 Cash out | Midwest Fuel Supply | $7,832.75 | 2 Oct 2026Past due | 21 Oct 2026 | 21 Oct 2026 own history |
| MF-1029 Cash out | Midwest Fuel Supply | $6,014.50 | 28 Oct 2026 | 21 Oct 2026 | 21 Oct 2026 own history |
| IH-1030 Cash out | Interstate Haulers | $2,740.40 | 31 Oct 2026 | 22 Oct 2026 | 21 Oct – 23 Oct 2026 own history |
| RL-1032 Cash out | Rapid LTL Freight | $520.00 | 3 Nov 2026 | 25 Oct 2026 | 21 Oct – 1 Nov 2026 own history |
| RL-1033 Cash out | Rapid LTL Freight | $451.50 | 5 Nov 2026 | 27 Oct 2026 | 21 Oct – 3 Nov 2026 own history |
| INV-0010 Cash in | Buckeye Home Goods | $15,760.00 | 31 Oct 2026 | 28 Oct 2026 | 28 Oct – 31 Oct 2026 own history |
| RL-1034 Cash out | Rapid LTL Freight | $681.00 | 8 Nov 2026 | 30 Oct 2026 | 24 Oct – 6 Nov 2026 own history |
| RL-1035 Cash out | Rapid LTL Freight | $337.00 | 9 Nov 2026 | 31 Oct 2026 | 25 Oct – 7 Nov 2026 own history |
| IH-1036 Cash out | Interstate Haulers | $3,426.40 | 12 Nov 2026 | 3 Nov 2026 | 30 Oct – 4 Nov 2026 own history |
| IH-1037 Cash out | Interstate Haulers | $2,993.70 | 13 Nov 2026 | 4 Nov 2026 | 31 Oct – 5 Nov 2026 own history |
| LR-1038 Cash out | LiftRight Equipment Rental | $4,733.00 | 15 Nov 2026 | 5 Nov 2026 | 2 Nov – 9 Nov 2026 all-vendor history |
| IH-1039 Cash out | Interstate Haulers | $1,648.85 | 17 Nov 2026 | 8 Nov 2026 | 4 Nov – 9 Nov 2026 own history |
| INV-0011 Cash in | Lakeview Manufacturing Co. | $13,135.20 | 5 Nov 2026 | 10 Nov 2026 | 9 Nov – 12 Nov 2026 own history |
| IH-1040 Cash out | Interstate Haulers | $4,937.25 | 19 Nov 2026 | 10 Nov 2026 | 6 Nov – 11 Nov 2026 own history |
| INV-0013 Cash in | Buckeye Home Goods | $3,850.00 | 16 Nov 2026Assumed terms | 13 Nov 2026 | 13 Nov – 16 Nov 2026 own history |
| INV-0012 Cash in | Great Lakes Outdoor Supply | $10,225.00 | 13 Nov 2026 | 14 Nov 2026 | 10 Nov – 16 Nov 2026 all-vendor history |
Payment behaviour
| Counterparty | Direction | Paid items | Usually paid | Range (p25 – p75) | Based on |
|---|---|---|---|---|---|
| Buckeye Home Goods | Cash in | 3 | 3 days early | -3 to 0 days | own history |
| Great Lakes Outdoor Supply | Cash in | 2 | 1 day late | -3 to 3 days | all-vendor history |
| Lakeview Manufacturing Co. | Cash in | 3 | 5 days late | 4 to 7 days | own history |
| Interstate Haulers | Cash out | 9 | 9 days early | -13 to -8 days | own history |
| LiftRight Equipment Rental | Cash out | 1 | 10 days early | -13 to -6 days | all-vendor history |
| Midwest Fuel Supply | Cash out | 10 | 10 days early | -12 to -7 days | own history |
| Rapid LTL Freight | Cash out | 8 | 9 days early | -15 to -2 days | own history |
How the calendar was calculated
Open items (issued on or before the as-of date and not yet paid by it) land on their due date plus the counterparty's expected days late (median); the range uses its 25th and 75th percentiles. Items without a due date are assumed due after the default terms. Dates before the as-of date (overdue items) are moved to the as-of date. A period's expected total holds the items whose expected date falls in it; the low total holds only items whose whole early–late window falls in it, and the high total every item whose window touches it (for credits, the reverse). Amounts are exact minor units.
How payment behaviour was calculated
Days late = paid date − due date, for items paid on or before the as-of date. Per counterparty: the median is the expected delay and the 25th–75th percentiles are the range (linear interpolation, rounded half up to whole days). A counterparty with fewer than the minimum number of paid items uses the median and range of all counterparties in the same direction; if that pool is also too small, items are assumed to be paid on the due date (0 days).
Spend (bills received)
| Counterparty | Jul 2026 | Aug 2026 | Sep 2026 | Month over month | 3-month band (avg, low – high) |
|---|---|---|---|---|---|
| All | $0.00 | $57,963.75 | $69,032.85 | +$11,069.10 +19.1% | $42,332.20 $0.00 – $69,032.85 |
| Interstate Haulers | $0.00 | $23,566.00 | $8,463.35 | −$15,102.65 −64.09% | $10,676.45 $0.00 – $23,566.00 |
| LiftRight Equipment Rental | $0.00 | $0.00 | $6,480.00 | +$6,480.00 n/a | $2,160.00 $0.00 – $6,480.00 |
| Midwest Fuel Supply | $0.00 | $30,939.25 | $52,596.00 | +$21,656.75 +70% | $27,845.08 $0.00 – $52,596.00 |
| Rapid LTL Freight | $0.00 | $3,458.50 | $1,493.50 | −$1,965.00 −56.82% | $1,650.67 $0.00 – $3,458.50 |
Revenue (invoices issued)
| Counterparty | Jul 2026 | Aug 2026 | Sep 2026 | Month over month | 3-month band (avg, low – high) |
|---|---|---|---|---|---|
| All | $26,855.00 | $31,822.50 | $33,773.22 | +$1,950.72 +6.13% | $30,816.91 $26,855.00 – $33,773.22 |
| Buckeye Home Goods | $13,030.00 | $14,137.50 | $15,703.10 | +$1,565.60 +11.07% | $14,290.20 $13,030.00 – $15,703.10 |
| Great Lakes Outdoor Supply | $5,385.00 | $6,560.00 | $8,865.12 | +$2,305.12 +35.14% | $6,936.71 $5,385.00 – $8,865.12 |
| Lakeview Manufacturing Co. | $8,440.00 | $11,125.00 | $9,205.00 | −$1,920.00 −17.26% | $9,590.00 $8,440.00 – $11,125.00 |
How this was calculated
Items are counted in the month of their issue date (billed, not paid). Only complete months count: from the month of the earliest item (or the given history start) up to the last month that ended on or before the as-of date. Month-over-month change compares the latest complete month with the one before it. The trailing band is the average, lowest and highest of the last 3 complete months; the average is rounded once to minor units. With fewer than 3 complete months no trend numbers are produced (not enough data).
Price rises
8| Vendor and item | Before | Now | Rise | Bill |
|---|---|---|---|---|
Liftgate delivery Rapid LTL Freight · per stop | $95.00 6 Aug 2026 | $110.00 7 Aug 2026 | +$15.00 +15.79% | RL-1003 |
Liftgate delivery Rapid LTL Freight · per stops | $110.00 7 Aug 2026 | $115.00 10 Aug 2026 | +$5.00 +4.55% | RL-1004 |
Fuel surcharge Interstate Haulers · per miles | $0.62 4 Aug 2026 | $0.77 12 Aug 2026 | +$0.15 +24.19% | IH-1005 |
Linehaul Columbus-Detroit Interstate Haulers · per Miles | $2.95 4 Aug 2026 | $3.00 12 Aug 2026 | +$0.05 +1.69% | IH-1005 |
Linehaul Columbus-Detroit Interstate Haulers · per MI | $2.85 12 Sep 2026 | $3.00 16 Sep 2026 | +$0.15 +5.26% | IH-1023 |
Stop-off charge Interstate Haulers · per STOP | $85.00 15 Sep 2026 | $115.00 16 Sep 2026 | +$30.00 +35.29% | IH-1023 |
Delivery appointment Rapid LTL Freight · per SHPT | $25.00 6 Sep 2026 | $30.00 26 Sep 2026 | +$5.00 +20% | RL-1028 |
Diesel Midwest Fuel Supply · per gal | $3.80 24 Sep 2026 | $3.92 28 Sep 2026 | +$0.12 +3.16% | MF-1029 |
How this was calculated
Billed unit prices are grouped by vendor, item, unit and currency (names compared case- and punctuation-insensitively) and ordered by date. Each price is compared with the previous one in its group; an alert fires when it rose by more than the threshold (default: any rise).
Spend drift
Not enough data — 3 of 4 months. Drift compares the latest complete month with the 3 before it, so no drift numbers are shown yet.
How this was calculated
For each counterparty and direction, the latest complete month (by issue date) is compared with the average of the complete months before it (default 3). An alert fires when the absolute change is more than the threshold (default 25%) of that average and at least the minimum change; a counterparty with a zero baseline alerts on any non-zero month. Needs the baseline months plus the latest month to be complete, otherwise the result is not enough data.