Kitchen + flooring remodel
Your job’s cash requirements, payment sequence and timing scenarios.
A profitable quote. A cash gap before payment.
This example shows $10,000 in gross job profit, but still needs $6,000 in extra cash. Here’s what the pack helps you inspect.
- 01
Find the payment that creates the gap.
Follow the running cash balance to day 14. Bills clear before receipts on the same day in this model.
Read the payment-by-payment schedule - 02
Test a different collection date.
With customer payments 14 days late, this job needs $12,000 in extra cash. Work and bill dates stay fixed.
Compare the delay scenarios - 03
Take a specific question to the supplier.
Compare payment at job start, day 14 and day 30 before discussing terms. These are scenarios, not an offer of credit.
Review the supplier comparison
Your calculator result is free. An optional pack for one job snapshot is $49 USD + applicable tax, paid once.
What the job needs
Under these assumptions, you need $6,000 in additional cash beyond the $0 already allocated to this job. The lowest modeled balance occurs on day 14.
Gross job profit is $10,000 (25.0%) before $2,000 in allocated overhead and $0 in financing fees. The $8,000 remaining after those costs is before income tax and costs you have not entered. Cash reserved for the job is not revenue or profit.
Customer receipt schedule
| Receipt | Modeled timing | Amount |
|---|---|---|
| Deposit | Before day 0 | $20,000 |
| Progress | Day 14 | $10,000 |
| Final | Day 42 | $10,000 |
This is a planning scenario for discussion. It is not an invoice, a contract clause, a payment demand, or a determination of allowed deposits.
When customers pay late
| Receipt delay | Extra cash |
|---|---|
| On time | $6,000 |
| +7 days | $8,500 |
| +14 days | $12,000 |
| +30 days | $12,000 |
Moves progress and final receipts only. Work and bill dates stay fixed.
If the supplier offers terms
| Material bill paid | Extra cash |
|---|---|
| At job start | $6,000 |
| Day 14 | $6,000 |
| Day 30 | $2,000 |
Hypothetical timing, not an offer of supplier credit. Fees and eligibility are not assumed.
A deposit timing scenario
With the progress payment held at 25%, a starting deposit of approximately 65.00% ($26,000) would cover the modeled cash trough using the cash you already allocated. This moves money from the final receipt to the deposit; it does not increase contract revenue or profit.
This calculation is not a recommended or legally permissible deposit. Check the signed contract and jurisdiction-specific limits before proposing changes. No payment should be postponed contrary to its terms.
Every payment, in order
Starting allocated cash: $0. Negative numbers in the running balance indicate additional funding needed.
| Day | Cash event | In / out | Running cash |
|---|---|---|---|
| Before start | Customer deposit | $20,000 | $20,000 |
| 0 | Materials / supplier | -$20,000 | $0 |
| 0 | Other direct costs - first half | -$1,000 | -$1,000 |
| 7 | Crew / subcontractors | -$2,000 | -$3,000 |
| 7 | Allocated overhead | -$500 | -$3,500 |
| 14 | Crew / subcontractors | -$2,000 | -$5,500 |
| 14 | Allocated overhead | -$500 | -$6,000 |
| 14 | Customer progress payment | $10,000 | $4,000 |
| 21 | Crew / subcontractors | -$2,000 | $2,000 |
| 21 | Allocated overhead | -$500 | $1,500 |
| 28 | Crew / subcontractors | -$2,000 | -$500 |
| 28 | Other direct costs - balance | -$1,000 | -$1,500 |
| 28 | Allocated overhead | -$500 | -$2,000 |
| 42 | Customer final payment | $10,000 | $8,000 |
Inputs used for this report
| Contract price | $40,000 |
| Materials | $20,000 |
| Crew / subcontractors | $8,000 |
| Other direct costs | $2,000 |
| Allocated job overhead | $2,000 |
| Financing fees | $0 |
| Cash allocated to this job | $0 |
| Deposit / progress | 50% / 25% |
| Job length | 28 days |
| Supplier due after start | Day 0 |
| Final payment after finish | 14 days |
Model boundaries
Amounts are calculated in cents and displayed here rounded to whole dollars. Crews and overhead are spread across weekly payments; other direct costs are split between day 0 and completion. Same-day costs clear before receipts. Retainage, disputed work, income tax, financing principal, interest accrual, unentered fees and other jobs are not inferred. Include relevant fees in your inputs; funding principal must be evaluated separately. Actual payment dates can differ. This is an arithmetic planning tool, not financial or legal advice. Figures do not guarantee results.
See your cash gap first. Choose the $49 + tax pack only if you want to keep the detailed schedule and comparisons.