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How Cash Flow Intelligence Works

Cash Flow Intelligence takes your current cash position, monthly burn rate, MRR, and expected growth rate and generates a 12-month forward-looking cash flow model in seconds. The tool runs three parallel scenarios — base case, upside (+50% growth), and downside (-50% growth) — so you can see your cash trajectory under different outcomes. Anomaly detection flags overdue accounts receivable and one-time cost impacts that could compress your runway. The output is a CFO action plan with specific recommendations based on your position.

Who Uses This Tool

Startup founders who need a real cash flow forecast before their next board meeting or fundraise. Finance leads at Series A and Series B companies who want a quick scenario model without building a full spreadsheet. Operators who have just closed a round and need to understand their runway under different spend assumptions. The tool works for any company with at least some MRR or a defined burn rate — it is not designed for pre-revenue companies with no recurring revenue baseline. See also: the Startup CFO Checklist for a complete framework of recurring finance tasks that surround this analysis.

What You Get in the Output

The output includes a 12-month cash balance chart broken out month by month, a scenario analysis showing cash at month 12 under base, upside, and downside assumptions, key metrics including final cash balance, safe runway in months, and projected ARR, plus a CFO action plan with specific flags — like "overdue AR of $X will compress runway by N months" or "downside scenario hits zero cash — you need a contingency plan." The entire analysis is generated client-side and requires only an email address to unlock. There is no account creation, no dashboard to maintain.

Cash Flow Intelligence

AI-powered 12-month cash flow forecast with scenario modeling

Free · No signup · Instant results

Frequently Asked Questions

How accurate is an AI cash flow forecast? +
The accuracy of any cash flow forecast depends on the quality of your inputs, not the tool. If your burn rate and MRR growth assumptions are realistic, the model will produce a useful range of outcomes. The three-scenario output (base/upside/downside) is specifically designed to bound the uncertainty — so even if your growth rate varies, you can see the impact on cash before it happens. Think of it as a planning tool, not a prediction engine.
What inputs do you need to run Cash Flow Intelligence? +
You need four required inputs: current cash balance, monthly net burn rate, current MRR, and expected MRR growth rate (percent per month). Two optional inputs — major upcoming one-time costs and overdue accounts receivable (30+ days) — are factored into the anomaly detection logic. That is it. The tool does not require accounting software connection, historical data exports, or any manual spreadsheet prep.
What does the anomaly detection flag? +
The anomaly detection layer watches for two specific cash flow risks: overdue accounts receivable (invoices past 30 days), which represent cash you are owed but have not collected, and large one-time costs arriving in a specific future month. Both are modeled with partial AR recovery assumptions (40% in month 3, 40% in month 5) and one-time cost timing (month 6 default). If these risks combine with a tight cash position, the CFO action plan surfaces them explicitly.
How is this different from a spreadsheet model? +
A spreadsheet cash flow model requires you to build it, maintain the formulas, update it monthly, and interpret the outputs yourself. Cash Flow Intelligence requires you to enter six numbers. The scenarios, chart, and action plan are generated automatically. The trade-off: a spreadsheet model is fully customizable for complex multi-revenue-stream businesses; this tool is designed for the common case — one primary burn rate, one MRR line, three scenario levers. If you need full model flexibility, see the Startup Financial Model template.