Know What's Coming Before the Money's Gone.
A business can be profitable on paper and still run out of cash.
Cash Flow Boss is an interactive cash-flow command center built for small-business owners, contractors, freelancers, entrepreneurs, and service businesses that need a clearer picture of money coming in, money going out, upcoming bills, customer payments, cash reserves, and potential cash shortages.
Instead of waiting until the bank account gets dangerously low, Cash Flow Boss helps you look ahead and make decisions before cash problems become emergencies.
🚨 Cash Crunch Early-Warning System
This is the heart of Cash Flow Boss.
Enter your starting cash along with expected customer payments, payroll, rent, materials, insurance, loan payments, purchases, and other cash events.
Cash Flow Boss calculates the projected balance after each event and identifies:
Lowest Projected Cash • Lowest-Balance Date • Reserve-Floor Warnings • First Projected Negative-Cash Date
See potential trouble before the money is gone.
📅 30 / 60 / 90-Day Cash Forecast
Build a forward-looking cash forecast based on the dates and amounts you enter.
See estimated:
30-Day Cash • 60-Day Cash • 90-Day Cash • Net Scheduled Cash • Projected Ending Balance
This helps turn the bank balance from a snapshot into a planning tool.
💰 Cash Inflow & Outflow Tracker
Track expected cash movements including:
Customer Payments • Deposits • Sales • Payroll • Materials • Rent • Utilities • Insurance • Taxes • Loan Payments • Equipment • Software • Owner Draws • Other Expenses
Every transaction updates your projected cash position.
🧾 Accounts Receivable Tracker
Know exactly what customers owe you.
Track:
Customer • Amount Due • Due Date • Payment Status • Open Receivables • Late Receivables • Largest Outstanding Payment
Late customer payments can create cash problems even when the business has plenty of revenue coming.
Cash Flow Boss helps make those risks visible.
📤 Bills & Accounts Payable
Track upcoming obligations before they hit your account.
Record bills by:
Vendor • Amount • Due Date • Priority
See total upcoming bills, critical obligations, and your largest upcoming payments.
⏳ Cash Runway & Burn Rate
If the business is spending more cash than it's bringing in, how long can that continue?
Enter:
Available Cash • Average Monthly Cash In • Monthly Cash Out • Minimum Reserve
Cash Flow Boss calculates:
Monthly Net Cash • Monthly Burn Rate • Estimated Runway to $0 • Runway Before Hitting Your Reserve Floor
Know how much breathing room the business actually has.
🏦 Minimum Cash Reserve Calculator
Determine how much operating cash you may want available based on essential obligations.
Include:
Payroll • Rent • Debt • Insurance • Essential Operating Costs
Choose your desired number of reserve months and calculate:
Monthly Essentials • Reserve Target • Current Reserve • Reserve Gap
⚠️ Late-Payment Impact Simulator
What happens if a major customer pays late?
Enter the expected payment, number of days late, available cash, and bills due during the delay.
Cash Flow Boss estimates whether the delay could create a temporary cash shortage.
A profitable sale doesn't help payroll if the money hasn't arrived yet.
👑 Owner Draw Planner
Before taking money out of the business, test the impact.
Compare:
Current Cash • Upcoming Bills • Minimum Reserve • Proposed Owner Draw
Cash Flow Boss shows approximately how much cash remains after the draw and whether it pushes the business below the reserve level you've entered.
🔄 What-If Cash Simulator
Test business decisions before making them.
Model scenarios such as:
What if sales drop?What if a customer pays late?What if I delay an equipment purchase?What if expenses increase?What if I reduce owner draws?
Compare the modeled ending cash before and after the change.
📉 Seasonal Cash Planner
Some businesses don't make the same amount every month.
Model a slower or stronger season using your normal monthly cash inflow, cash outflow, expected revenue change, and number of seasonal months.
See the estimated impact on cash before the season arrives.
💳 Debt Payment Tracker
Track the cash burden created by recurring business debt.
Enter loan balances, monthly payments, and other debt obligations to see the amount of monthly cash committed to debt payments.
❤️ Cash Health Score
Cash Flow Boss creates a 0–100 Cash Health Score using factors such as:
Projected Cash • Reserve Position • Burn Rate • Cash Runway • Late Receivables • Forecast Risk
Use it as a quick management check for areas that deserve attention.
📋 Cash Flow Action Report
Turn your analysis into a professional report containing:
Starting Cash • Projected Ending Cash • Lowest Cash Balance • Cash Crunch Warning • First Negative Date • Reserve Target • Runway Analysis • Scenario Results • Cash Health Score
Add your management action and print or save the report as a PDF through your browser.
📦 Cash Flow Boss Includes
✓ Cash Flow Dashboard✓ Cash Inflow & Outflow Tracker✓ 30 / 60 / 90-Day Forecast✓ Cash Crunch Early-Warning System✓ Accounts Receivable Tracker✓ Bills & Payables Tracker✓ Cash Runway Calculator✓ Burn Rate Calculator✓ Minimum Cash Reserve Calculator✓ Late-Payment Impact Simulator✓ Owner Draw Planner✓ Debt Payment Tracker✓ Seasonal Cash Planner✓ What-If Cash Simulator✓ Cash Health Score✓ Saved Business Scenarios✓ Printable Cash Flow Action Report
👑 Who Is Cash Flow Boss For?
Built for small-business owners, entrepreneurs, contractors, handymen, freelancers, consultants, agencies, home-service businesses, independent professionals, and anyone responsible for managing business cash.
Cash Flow Boss runs directly in a modern web browser with no required Cash Flow Boss monthly subscription or AI API key for the included features.
Cash Flow Boss is a planning and decision-support tool and does not replace professional accounting, tax, legal, or financial advice.
DON'T WAIT UNTIL THE ACCOUNT IS EMPTY.
See the money coming. See the money going. Spot the gap. Make the move.
CASH FLOW BOSS
Boss Tools — Real Tools. Real Business. Real Results.
