Cash Flow Snapshot
by OnwireFlow
Generate professional 30/60/90-day cash flow forecast workbooks with live formulas and shortfall alerts.
- Identify the exact date and amount of your lowest cash point over 90 days.
- Determine if a business can afford a major hire or capital expenditure.
- Generate a live, editable .xlsx forecast for clients or stakeholders.
Free
Sample input
Can you forecast my cash for the next 90 days? I want to know if I'll be okay. My current bank balance is €4,200 and I want to keep at least €1,000 in the account.
Money coming in:
- Client A project invoice €3,500, due 20 June (one-off)
- Monthly retainer from Client B €1,800 (recurring monthly)
- Client C milestone €2,200 around 10 July (one-off)
Money going out (monthly unless noted):
- Office rent €1,200
- Software subscriptions €180
- Insurance €95
- My own drawings €2,000
- A contractor €2,600, one-off on 28 June
Sample output
A ready Excel workbook (.xlsx) and a plain-English verdict, for example:
"Over the next 90 days you stay positive. You open at €4,200, take in €11,100 and pay out €13,025, closing at €2,275. Your lowest point is €2,275 — it stays above your €1,000 buffer, so you're okay on cash, but the trend is downward, so keep an eye on it after this window."
The workbook has four tabs:
- Snapshot — opening/closing balance, total in/out, net change, lowest balance and its date, your buffer, the "will you run short?" line, and a balance chart
- Forecast — every expected payment in and out, dated, with a live running balance (editable)
- Weekly Summary — money in, out, net and your balance at the end of each week
- Start Here — how to use and adjust it
Every figure is a live formula, verified with zero formula errors, and works in Excel, Google Sheets, Apple Numbers and LibreOffice — no macros.
Cash Flow Snapshot
by OnwireFlow
Generate professional 30/60/90-day cash flow forecast workbooks with live formulas and shortfall alerts.
Free
Included in download
- Downloadable skill package
- 1 permission declared
- Instant install
Sample input
Can you forecast my cash for the next 90 days? I want to know if I'll be okay. My current bank balance is €4,200 and I want to keep at least €1,000 in the account.
Money coming in:
- Client A project invoice €3,500, due 20 June (one-off)
- Monthly retainer from Client B €1,800 (recurring monthly)
- Client C milestone €2,200 around 10 July (one-off)
Money going out (monthly unless noted):
- Office rent €1,200
- Software subscriptions €180
- Insurance €95
- My own drawings €2,000
- A contractor €2,600, one-off on 28 June
Sample output
A ready Excel workbook (.xlsx) and a plain-English verdict, for example:
"Over the next 90 days you stay positive. You open at €4,200, take in €11,100 and pay out €13,025, closing at €2,275. Your lowest point is €2,275 — it stays above your €1,000 buffer, so you're okay on cash, but the trend is downward, so keep an eye on it after this window."
The workbook has four tabs:
- Snapshot — opening/closing balance, total in/out, net change, lowest balance and its date, your buffer, the "will you run short?" line, and a balance chart
- Forecast — every expected payment in and out, dated, with a live running balance (editable)
- Weekly Summary — money in, out, net and your balance at the end of each week
- Start Here — how to use and adjust it
Every figure is a live formula, verified with zero formula errors, and works in Excel, Google Sheets, Apple Numbers and LibreOffice — no macros.
About This Skill
What it does
This skill builds a 30/60/90-day cash-flow forecast as a live Excel workbook that answers one question clearly: will you run short, and when. You give it your opening bank balance, the money you expect in, and the bills going out (one-off or recurring), and it produces a dated forecast with a running balance, your lowest point and the exact date it happens, a plain-English shortfall verdict, a weekly summary, and a balance chart. Built for freelancers, sole traders and small businesses anywhere in the world.
Why use this skill
Most owners only discover a cash crunch when it's already on top of them. A generic "make me a cash flow spreadsheet" prompt gives you an empty grid with no logic. This skill expands your recurring income and bills into a proper dated timeline, tracks the running balance day by day, and tells you in plain English whether you dip below the cushion you want to keep. Because every figure is a live formula, you can flex it instantly—chase an invoice a week earlier, delay a purchase—and watch the low point move.
Supported features
- Clear Verdict: A plain-English "will you run short?" answer with your lowest balance and the date it occurs.
- Recurring Items: Handles one-off, weekly, fortnightly, monthly, quarterly and yearly income and bills, expanded across your horizon.
- Buffer Check: Set the minimum balance you want to stay above and the forecast flags any breach.
- Live & Visual: A running-balance ledger, a weekly summary, and a balance chart—all formula-driven, so editing one figure updates everything.
- Works Anywhere: Worldwide and macro-free; opens in Excel, Google Sheets, Apple Numbers and LibreOffice.
This is a planning tool, not financial advice. A forecast is only as good as the estimates you put in.
Use Cases
- Identify the exact date and amount of your lowest cash point over 90 days.
- Determine if a business can afford a major hire or capital expenditure.
- Generate a live, editable .xlsx forecast for clients or stakeholders.
- Model the impact of delayed invoices on monthly payroll obligations.
Known Limitations
- A forecast reflects your estimates: the output is only as accurate as the income amounts, timing and bills you provide. Be realistic (and slightly cautious) on when income actually lands.
- Recurring items are expanded at build time (one-off, weekly, fortnightly, monthly, quarterly, yearly). If you change the underlying assumptions a lot, re-run the skill — though you can freely edit individual amounts and dates in the workbook and every total updates.
- One currency per workbook; amounts are not converted between currencies.
- It is not bookkeeping or accounting software: it does not connect to your bank, reconcile to your actual balance, or produce financial statements or a tax return.
- It models cash in and out, not accruals or profit. Money still owed to you only helps once you expect it to be paid.
- Easily-forgotten outflows (owner's drawings/salary, tax set-asides) must be entered to be counted — the skill prompts for them, but it can't know what you leave out.
How to Install
mkdir -p ~/.claude/skills && curl -sL https://www.agensi.io/api/install/cash-flow-snapshot -o /tmp/cash-flow-snapshot.zip && unzip -o /tmp/cash-flow-snapshot.zip -d ~/.claude/skills && rm /tmp/cash-flow-snapshot.zipFree skills install directly. Paid skills require purchase - use the download button above after buying.
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Creator
I'm a bookkeeping and tax practitioner who turns everyday finance headaches into simple, reliable AI skills. My tools help freelancers, sole traders and small companies anywhere in the world invoice correctly, sort their expenses, and stay on top of cash flow — country-aware, formula-driven, and built to actually work. More finance and compliance skills on the way.
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