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ClariFi — Cashflow

Month-by-month cash, scenarios, and order-to-cash timing. Edit operating numbers here or pull from Break-even point.

From order to cash in hand

How long money is tied up from stock to customer payment. Shorter is better. The timeline below uses your working-capital days, adjusted by the scenario you pick in "What if" (Best / Expected / Tough).

Typical collection risk (for tips): moderate

Stock-led cashflow: money is tied up between buying goods and getting paid. Shorter stock and collection days free up cash.

We hold inventory (stock) before selling

Days until you get goodsDays to sell stockDays until customers pay youDays until you pay suppliers

Lead time (days) — sliderDays to sell stock — sliderCustomer payment days — sliderSupplier payment days — slider

Scenario "Expected" uses collection day 14 and supplier day 21 (your inputs ± scenario adjustment). Cash conversion cycle: 23 days.

You get the cash in hand after 58 days. Money tied up: 37 days.

More money is tied up. Try to collect faster or pay suppliers later.

Timeline (days from order)

Day 0

Day 14

Day 21

Day 44

Day 58

You order — day 0
Goods arrive — day 14
You pay supplier — day 21
You sell — day 44
Customer pays you — day 58

Day-by-day list

Day 0—You order· You order from supplier
Day 14—Goods arrive· Stock arrives, you can sell it
Day 21—You pay supplierPayout· Money leaves your account
Day 44—You sell· Customer buys; you're waiting for payment
Day 58—Customer pays youCash in· Money lands in your account

Operating cash (monthly)

Same math as Break-even point: monthly sales, variable costs, fixed costs, and an unexpected-cost buffer. We derive net contribution and fixed totals using runBreakeven. Pre-filled when you have Break-even data — or load a saved session from this device / URL hash.

Monthly sales (KSh)Monthly variable costs (KSh)Monthly fixed costs (KSh)Unexpected cost buffer (%)

Derived (for cashflow)

Net monthly contribution: KSh 0 · Total fixed costs: KSh 0 · Profit after fixed (approx.): KSh 0

Your starting point

Cash in hand now, loan repayments and owner draws, and how many months to project.

Cash in hand now (KSh)Loan repayments / month (KSh)Existing loans—cash leaving your account.Personal / owner draws / month (KSh)Household or personal spending paid from the business.Months to show (1–36)

Your cash grows each month with these operating numbers.

Scenario fine-tune (sensitivity lite)

Nudge all three scenarios together: extra volume % and collection/cash timing % on top of Best / Expected / Tough presets. Use for quick "what if we push sales a bit" without changing your baseline worksheet.

Volume and cash-through move together here — nudge both to see how thin margins respond before you change the baseline.

Extra volume vs preset: +0%Extra cash-through vs preset: +0%Higher = more operating cash recognized per month in this simple model (collection timing).

Monthly cash dashboard

Avg. monthly inflow

KSh 0

Avg. monthly outflow

KSh 0

Avg. net cash

KSh 0

Highest monthly inflow

KSh 0

Lowest monthly outflow

KSh 0

Monthly money in (Expected)

Monthly money out (Expected)

Monthly net change (Expected)

In vs out (diverging, Expected)

Orange extends left (money out), blue extends right (money in) — same month on each row.

Cash bridge (Expected)

Bridge: opening balance → each month's net change → closing (Expected).

Closing cash — all scenarios

Green = Best, blue = Expected, red = Tough — same baseline, different assumptions.

Closing balance by month (compare)

Month	Best	Expected	Tough
Jun 2026	KSh 0	KSh 0	KSh 0
Jul 2026	KSh 0	KSh 0	KSh 0
Aug 2026	KSh 0	KSh 0	KSh 0
Sep 2026	KSh 0	KSh 0	KSh 0
Oct 2026	KSh 0	KSh 0	KSh 0
Nov 2026	KSh 0	KSh 0	KSh 0
Dec 2026	KSh 0	KSh 0	KSh 0
Jan 2027	KSh 0	KSh 0	KSh 0
Feb 2027	KSh 0	KSh 0	KSh 0
Mar 2027	KSh 0	KSh 0	KSh 0
Apr 2027	KSh 0	KSh 0	KSh 0
May 2027	KSh 0	KSh 0	KSh 0

Scenario snapshot

Best case

Ending cash (horizon)

KSh 0

First negative balance: None in horizon

Avg gain/loss: +KSh -0/mo

Expected

Ending cash (horizon)

KSh 0

First negative balance: None in horizon

Avg gain/loss: +KSh -0/mo

Tough case

Ending cash (horizon)

KSh 0

First negative balance: None in horizon

Avg gain/loss: +KSh -0/mo

What if things change?

Pick a scenario for the detailed table and decision tools. All three are compared in the dashboard above.

Scenario	Sales volume (vs baseline)	Customer pay timing	Supplier credit	Fixed costs
Best case	+25% contribution	15 days faster	+15 days to pay	-10%
Expected	0% contribution	Baseline days	Baseline	Baseline
Tough case	-25% contribution	22 days slower	15 days less credit	+10%

Now: Expected follows your baseline contribution and fixed costs each month — A normal month using the numbers you entered.

For stock-led businesses, Expected tracks your usual turnover and credit mix.

Pick a scenario (detail table)

Your Break-even baseline — normal trading month

Extra cash in month 1 (KSh)e.g. a loan or investor money

Price change (%)New hiring cost per month (KSh)New loan amount (KSh)Added to opening cash in the scenario only.New loan repayment / month (KSh)On top of repayments and draws you entered above.Inventory release (%)

What this means

Your balance stays positive. You're adding cash each month.

Your balance stays positive. You add KSh -0 per month on average.

Month	Start	Money in	Money out	Difference	Balance	Gain/Loss
Jun 2026	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Jul 2026	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Aug 2026	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Sep 2026	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Oct 2026	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Nov 2026	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Dec 2026	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Jan 2027	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Feb 2027	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Mar 2027	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
Apr 2027	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0
May 2027	KSh 0	KSh 0	KSh 0	KSh 0	KSh 0	+KSh 0

Loading cashflow tools…

Month

Best

Expected

Tough

Jun 2026

KSh 0

Jul 2026

KSh 0

Aug 2026

KSh 0

Sep 2026

KSh 0

Oct 2026

KSh 0

Nov 2026

KSh 0

Dec 2026

KSh 0

Jan 2027

KSh 0

Feb 2027

KSh 0

Mar 2027

KSh 0

Apr 2027

KSh 0

May 2027

KSh 0

Scenario

Sales volume (vs baseline)

Customer pay timing

Supplier credit

Fixed costs

Best case

+25% contribution

15 days faster

+15 days to pay

-10%

Expected

0% contribution

Baseline days

Baseline

Tough case

-25% contribution

22 days slower

15 days less credit

+10%

Month

Start

Money in

Money out

Difference

Balance

Gain/Loss

Jun 2026

KSh 0

+KSh 0

Jul 2026

KSh 0

+KSh 0

Aug 2026

KSh 0

+KSh 0

Sep 2026

KSh 0

+KSh 0

Oct 2026

KSh 0

+KSh 0

Nov 2026

KSh 0

+KSh 0

Dec 2026

KSh 0

+KSh 0

Jan 2027

KSh 0

+KSh 0

Feb 2027

KSh 0

+KSh 0

Mar 2027

KSh 0

+KSh 0

Apr 2027

KSh 0

+KSh 0

May 2027

KSh 0

+KSh 0