3-Month Cash Flow Forecast
Invoicing ≠ collecting. Contractors live and die by cash flow. Enter your collections, expenses, and quarterly tax payments for 3 months — see cumulative position, negative cash warnings, runway, and the reserve target you need.
Month 1
Q-Tax MonthCash In
$6,000
Cash Out
$5,500
Net
$500
Month 2
Cash In
$8,000
Cash Out
$4,300
Net
$3,700
Month 3
Cash In
$9,500
Cash Out
$3,200
Net
$6,300
Cash Flow by Month
Month 1
Month 2
Month 3
Cash Position & Reserve
Reserve Coverage
1.8 mo
3-Month Reserve Target
$13,000
6-Month Reserve Target
$26,000
Cash stays positive through all 3 months. Ending balance $18,500.
Invoice lag: You sent $24,500 in invoices but collected only $23,500 (95.9%). The $1,000 outstanding will likely land in future months — plan accordingly.
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