Cash is the number one reason businesses stall in their early years. This is not a scary forecast. It is one calm question: if the money stopped, how long could you keep going?
Cash flow planning is a spectrum, not a test you pass or fail. At one end it is simply being aware of your cash, knowing what is coming in, what is going out, and how much cushion you hold. That awareness alone puts you ahead of most. This tool lives at that end. Full scenario forecasting is the deeper end, for later.
Your numbers
Where your cash is today
£
£
Your runway
0 months
of cover in the bank right now
Today6 months
target
How much cushion do you want to hold
Three months is the usual first milestone: enough to ride out a quiet spell without panic.
A 3 month buffer is£0
Still to build£0
How to actually hold it
Rather than one uneasy pile of cash in the current account, give it jobs. The same banking pots (Starling and Monzo make this easy) turn a vague number into calm, informed decisions about where money comes from.
Send this to your dashboard. Your runway target becomes the line your weekly check measures against.
Build it backwards · striveX
When you want to see around corners
The deeper end of cash flow is scenario planning: best case, middle, worst case, built so that even the worst case keeps you running. That is the consulting work we do at striveX.