Liquidity planning that runs off your live ledger. Kantivo projects the bank balance forward week by week, timed by what your clients have actually done rather than what their invoice terms claim.
Start Free TrialForecasting is the first thing a business owner asks an accountant for and the last thing most accounting packages provide. The gap gets filled by a spreadsheet that is rebuilt by hand, drifts out of date within a week, and quietly disagrees with the books it was copied from.
Kantivo closes that gap by generating the projection from the ledger itself. There is no export, no re-keying and no second version of the truth. The inputs — receivables, payables, recurring templates, budget lines and current bank balances — are already recorded, so the forecast is never older than the last transaction you posted.
The difference between a forecast people act on and one they ignore is almost always timing. Treat every receivable as arriving on its due date and the projection will overstate available cash in each and every period. That error compounds, and it fails in the worst possible direction: it says the money is there.
Kantivo derives a payment-lag profile from your own history. For each client it calculates the median number of days between the due date and the date the invoice was actually settled, then re-times that client's outstanding balances accordingly. Clients with a thin history inherit the practice-wide median; a file with too few settled invoices to support any inference falls back to due dates and states that it has done so. Three modes are available — measured history, plain due dates, or a fixed offset — and the one in force is displayed on the report rather than buried in a settings screen.
A rolling thirteen-week grid for treasury work, or twelve calendar months for annual and board planning.
Stress the plan without corrupting it. Multipliers apply to predictions only; executed documents keep their face value.
Capture what the ledger cannot yet see — facility drawdowns, tax instalments, headcount changes.
Snapshot a projection and grade it later against real bank movement. Forecast quality becomes measurable.
A design studio finishes a strong September on paper: $46,000 invoiced, everything on Net 30. The due-date reading says October is comfortable. Kantivo reads the history instead and finds the studio's two largest clients average 38 and 51 days beyond terms, which pushes roughly $28,000 of that revenue into late November. Layer on the quarterly VAT instalment and a mid-October equipment payment, and the week beginning 20 October closes at negative $6,400.
Six weeks of notice converts that from a crisis into a decision. Invoice the retainer earlier, ask one client for a part payment, or draw briefly on a facility — each option is still open. On the due-date reading none of it would have surfaced until the payment failed.
For a practice, this is the report that changes the nature of the client relationship. Compliance work looks backwards and is priced accordingly; forecasting looks forwards and supports advisory fees. Opening a meeting with the week the client runs short, and modelling two ways out of it live, is a different conversation from handing over a set of accounts.
Cash flow forecasting is available on Kantivo Professional and on every Accountant tier, with nothing extra to license, on a single flat annual price with no monthly fees and no cloud lock-in.
Every input is already in your ledger. Enable the forecast and read the balance forward.