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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.

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
  1. Day 0—You order· You order from supplier
  2. Day 14—Goods arrive· Stock arrives, you can sell it
  3. Day 21—You pay supplierPayout· Money leaves your account
  4. Day 44—You sell· Customer buys; you're waiting for payment
  5. 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.

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.
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.

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)

KSh 0OpeningKSh 0May 2026KSh 0Jun 2026KSh 0Jul 2026KSh 0Aug 2026KSh 0Sep 2026KSh 0Oct 2026KSh 0Nov 2026KSh 0Dec 2026KSh 0Jan 2027KSh 0Feb 2027KSh 0Mar 2027KSh 0Apr 2027KSh 0Closing

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)

MonthBestExpectedTough
May 2026KSh 0KSh 0KSh 0
Jun 2026KSh 0KSh 0KSh 0
Jul 2026KSh 0KSh 0KSh 0
Aug 2026KSh 0KSh 0KSh 0
Sep 2026KSh 0KSh 0KSh 0
Oct 2026KSh 0KSh 0KSh 0
Nov 2026KSh 0KSh 0KSh 0
Dec 2026KSh 0KSh 0KSh 0
Jan 2027KSh 0KSh 0KSh 0
Feb 2027KSh 0KSh 0KSh 0
Mar 2027KSh 0KSh 0KSh 0
Apr 2027KSh 0KSh 0KSh 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.
ScenarioSales volume (vs baseline)Customer pay timingSupplier creditFixed costs
Best case+25% contribution15 days faster+15 days to pay-10%
Expected0% contributionBaseline daysBaselineBaseline
Tough case-25% contribution22 days slower15 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

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.

MonthStartMoney inMoney outDifferenceBalanceGain/Loss
May 2026KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Jun 2026KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Jul 2026KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Aug 2026KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Sep 2026KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Oct 2026KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Nov 2026KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Dec 2026KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Jan 2027KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Feb 2027KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Mar 2027KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
Apr 2027KSh 0KSh 0KSh 0KSh 0KSh 0+KSh 0
ClariFi | Plan. Measure. Perform.