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Your bank balance is a photograph.
Payroll is a schedule.
Most owners find out they are short the week it is due. Enter five numbers and see the exact week your cash stops covering payroll.
Rough figures are fine. Nothing is stored.
Across your operating accounts.
Gross, including taxes and benefits.
What you realistically expect customers to pay.
Everything except payroll: rent, materials, software.
Enter your cash and one payroll run to see the next 13 weeks.
Three reasons a healthy-looking balance still misses payroll.
Today’s balance belongs to people you have not paid yet: your team, suppliers, the quarterly tax bill, the renewal that lands on the twelfth.
You can stretch a supplier and call your landlord. You cannot tell your crew to wait. It is the one bill with no flexibility.
A comfortable month turns into a scramble the moment a single large invoice lands late. Timing, not profit, is what catches owners out.
MainStreetCFO runs this same projection continuously off your real QuickBooks data and warns you before the date moves against you.
Start free with QuickBooks →