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Seven free finance tools built around cash — when it arrives, when it leaves, and the week the two don’t meet.
So what: Cash stays above your $25k buffer for all thirteen weeks. Lowest point: $73k in week 1 (includes a $18k quarterly tax payment in week 9).
The Treepie Books tools are seven free finance calculators and templates for small businesses: a 13-week cash forecast, DSO, VAT and GST, late payment interest and break-even calculators, a receivables ageing template and a month-end close checklist. They run in your browser on figures from your bank and ledger, show their working, and focus on cash — the number that actually stops a business.
The most common mistake is removing tax by multiplying by the rate. Removing 20% VAT from a gross figure means dividing by 1.2, not subtracting 20%.
Grouped by the job, not the formula. None of them needs Books.
Days sales outstanding converts a vague sense that customers pay slowly into a cash figure you can put a target on.
Most forecasts fail on timing, not totals. These rules fix the timing.
Owners ask about cash, accountants ask about the close, and both are right.
Profit is on the P&L. Cash is in the bank. Most tools only show one.
| Spreadsheets & email | Accounting software reports | Treepie Books | |
|---|---|---|---|
| Horizon | Whatever the sheet covers | Last month, in arrears | Thirteen weeks forward |
| Receipt timing | Due dates | Due dates | Actual payment habit per customer |
| Buffer warning | Spotted by eye, if at all | Not shown | The week cash dips under buffer |
| Tax | Hand-calculated per invoice | Single jurisdiction | UK, UAE and India rates side by side |
| Cost to see the answer | An afternoon | A subscription | Nothing |
Same rules everywhere: your figures, shown arithmetic, no email wall.