Cash timing · Field planning tool
The job looks good. Where does cash pinch?
A profitable job can still put cash in a bind. Map when payroll, materials, and subs go out against when customer money is expected to land.
Set up the job
How much cash can this project use at the start?
Weekly payroll repeats every 7 days from the first payroll date through the scheduled finish. Set the date your crew is first paid for this job.
Customer money coming in
Use the day you expect it to hit the account.
Invoice dates are a reference. Only expected payment dates affect the cash balance.
Materials and subs going out
Enter the day the money leaves.
Other cash movements
Equipment, permits, retainage released, or anything else.
What if the check is late?
See how a payment delay changes the low point.
Cash map by week
Weeks start on the job start date. The weekly low includes same-day costs before receipts and can reveal a shortfall hidden by the week-end balance.
| Period | Cash in | Payroll | Costs besides payroll | Lowest balance | Ending balance |
|---|
How this estimate works: The closing balance nets each day’s cash movements. To avoid hiding a same-day shortfall, the lowest daily position assumes job costs leave before receipts arrive. The gap is the largest amount below $0 after applying the cash you allocated. Weekly payroll repeats every 7 days from the first payroll date through the scheduled finish. This estimate uses only the amounts and dates entered. Add overhead, taxes, retainage, and financing costs if they affect this job. It’s a planning tool, not an approval or financing recommendation.
Tip Top Builder’s Talk · By Tip Top Capital