Use the planner to see whether scheduled draws cover the next payroll and overhead cycles. The free model keeps the math simple and visible: current cash, expected inflows, and recurring burn.
Formula
Projected cash = current cash + scheduled project inflows - monthly burn
Worked example
Calculation
The planner surfaces the shortfall by day 60, so the contractor can review draw timing, ordering, payroll, or backlog before the crunch arrives.
Upgrade timing
Stay with the free tool for one-off planning. Move to a paid workspace when the same work needs persistence, review handoff, branded output, or team coordination.
You need cash planning tied to saved projects instead of manual re-entry.
You want owner-level dashboards that connect estimates, projects, and payment follow-up.
You need team visibility across active jobs, receivables, and reviewed next actions.
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