Start with your actual quote.
Use your contract price, fully loaded costs and payment timing. No bank connection or client personal details required.
FREE CONSTRUCTION CASH FLOW CALCULATOR
Know when your next
job needs cash.
Compare your quote, costs and payment dates. Find your job’s cash gap before materials arrive or payroll is due.
Free calculator. No account.
Optional planning pack: $49 + tax.
Optional planning pack: $49 + tax.
01
Explore a fictional job
These are example numbers. Try a change to see how cash moves, or start with your own quote.
Use total loaded costs, including applicable tax, freight and payroll burden. Exclude customer sales tax from the contract price.
Fictional example · Free to explore. Draft stays in this browser session.
02EXAMPLE CASH EXPOSUREGap to cover
$6,000
Extra cash needed at the tightest point — day 14.
Gross job profit$10,00025.0% before overhead & fees
After entered costs$8,000Before income tax / unentered costs
End-of-day cash● Lowest cash, including same-day bills
What if the customer pays late?
Delay affects progress and final receipts. Cash set aside: $0. Fictional example; your job will differ.
Profit is what’s left. Cash is what lets you get there. A deposit can cover the material and still leave your crew’s next payment unfunded.
FROM A WARNING TO A WORKING PLANThe calculator finds the gap.
The calculator finds the gap.
The pack shows the sequence.
See which payment takes your job below zero. Compare customer delays and supplier timing. Bring the downloadable report and CSV to your next planning conversation.
The free calculator stays free. The optional pack saves one snapshot of your job’s numbers—not an ongoing subscription.
Walk through the complete sampleONE JOB · ONE PURCHASE
Project cash plan
$49USD + tax
- Payment-by-payment cash schedule
- 7, 14 and 30-day late-payment scenarios
- Deposit and supplier-term comparisons
- Downloadable report + cash schedule CSV
$49 once · no subscription · optional purchase
A SMALL CHECK. A CLEARER DECISION.
Three things to know.
Move the money around.
Try a late payment, a different deposit, or supplier terms. See how much cash your job needs along the way.
Take a plan to the conversation.
Get a detailed pack for one set of job inputs. Compare timing options before you agree to the job’s terms.
Contractor cash-flow questions
Is the cash-flow calculator free?
Yes. Calculate a job’s cash gap and try customer-payment delays without an account or card. The optional planning pack costs $49 USD plus applicable tax.
How is cash flow different from job profit?
Profit compares revenue with costs. Cash flow also considers when each payment clears. A profitable job can require money for materials and crews before the customer pays.
What do I get in the $49 planning pack?
One snapshot of your job’s figures, with a payment-by-payment schedule, late-payment scenarios, deposit and supplier-timing comparisons, a report and CSV. It is one payment with no subscription. Future edits and other jobs are not included.
What payment timing can I model?
A deposit before the start, one progress payment halfway through, and a final payment after completion. Crew costs and overhead are spread across weekly paydays. Enter your supplier date and test delays to progress and final receipts. Follow the construction payment schedule example.
Build a construction payment schedule
Put customer receipts beside supplier and crew payments, then check the lowest balance. Build a job cash-flow forecast, step by step →
Why profit and available cash are different
A profitable quote can still leave you funding materials and crews before the customer pays. Follow a worked cash-flow example →
What this model assumes
Costs are estimates, not bank transactions. Labor and overhead are spread across weekly paydays; other direct costs are split between start and finish. Bills clear before receipts on the same day. A modeled deposit is a cash scenario, not a legally permitted amount or a customer payment demand. Use your contract and local rules. This tool does not issue loans or move money.