See when cash might arrive
Record unpaid invoice balances, partial receipts and expected payment timing, with probability overrides for your planning assumptions.
09 / PLAN AROUND PAYMENT TIMING
Freelancer Cash Flow, Safe-to-Spend & Runway System v1.2
Money in the bank does not tell you what is available to take out. Bring unpaid invoices, expected payment timing and upcoming bills into a practical cash-planning system before deciding on your next owner draw.
US$14.95 on Etsy
See the current price and purchase on Etsy. Digital files; software is not included.
The existing product overview introduces the cash-planning workflow, from invoice timing and upcoming bills to a cash floor, Safe-to-Spend estimate and runway. Figures shown are fictional examples.
WHAT IT HELPS YOU DO
Follow the money from expected payment to planned draw
Keep commitments in view
Add dated bills and planned outgoings alongside your minimum cash floor and tax-reserve assumption. Review the 13-week forecast and rolling 12-month outlook.
Review draw headroom and runway
Use the Safe-to-Spend estimate and lowest weekly cash buffer to review a possible draw. Runway estimates how long cash above the floor covers entered outgoings with no new receipts.
The Safe-to-Spend view brings current bank cash, a tax-reserve assumption, the minimum cash floor and upcoming bills into an estimated owner draw. It also shows expected inflows and outflows. The workbook checks entered commitments and the lowest weekly cash buffer.
Open image to view the workbook details. On a phone, zoom after opening.
INSIDE THE FILES
One workbook and a practical buyer guide
The Excel workbook includes Start Here guidance, client and invoice records, bills, cash forecasts, a dashboard, Safe-to-Spend and runway views, and a Scenario Lab for 13-week ending cash. Fictional examples are included to help explain the inputs.
Who it is for
Freelancers, consultants and independent service businesses with uneven client payments or project-based income.
Files & compatibility
A .xlsx workbook and .txt buyer guide, designed for desktop Microsoft Excel. Excel is not included. No macros, bank connection or subscription is required. Google Sheets and mobile compatibility are not promised.
Planning estimates only, not financial, tax or accounting advice. The tax reserve is an assumption, not a calculation of tax due. Forecasts and Safe-to-Spend do not guarantee receipt of payment or cash safety. This is not accounting software.
A SIMPLE WORKING ROUTINE
Update the timing before reviewing the balance
- Replace the examples and enter current cash, your planning start date, minimum cash floor and tax-reserve assumption.
- Record outstanding invoices and expected receipts, then enter each bill and planned draw as a separate dated row. A frequency label does not generate recurring payments.
- Review the weekly cash path, Safe-to-Spend estimate and runway. Update the records as payments arrive or dates change; do not count received cash twice.
If you are also reviewing what your time needs to earn, start with a rate estimate. Explore the Free Freelance Rate Quick Calculator →
Work through the decisions behind your cash plan
RELATED SYSTEMS
Check profitability and available working time alongside cash
Project Profit Tracker
Know which client projects are actually profitable before margin disappears.
Explore the system View on Etsy ↗See included files
- 5-sheet Excel workbook with START HERE, DASHBOARD, PROJECT PROFIT, COST LOG and SETUP
- Project-level revenue, cost, profit and margin tracking
- Cost log for keeping direct project spending visible
- Dashboard view for comparing project profitability and margin pressure
Digital files. Software is not included.
Freelancer Capacity Planner
Know whether new work fits before you overbook your week.
Explore the system View on Etsy ↗See included files
- 4-sheet Excel workbook: Weekly Capacity, Allocations, Project Fit and Start Here
- Weekly available-hours and workload planning
- Confirmed and proposed allocation tracking
- Project-fit view to test whether proposed work can fit into the schedule
Digital files. Software is not included.