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Cashflow management

The Cashflow section gives you a forward-looking view of your cash position — not just what the bank says today, but what it will look like in 30, 60, and 90 days based on open invoices due, bills to pay, and recurring commitments.

Cashflow dashboard​

The Cashflow dashboard shows your projected cash position over a configurable horizon (default: 13 weeks). It combines:

SourceHow it is included
Open invoicesExpected on the invoice due date (adjusted for customer's average payment delay)
Open billsExpected outflow on the bill due date
Recurring commitmentsSalaries, rent, subscriptions, loan repayments
Bank balanceThe closing balance from your last reconciled bank statement

The chart shows the minimum projected balance during the period — a dip below zero is a liquidity warning.

Scenarios​

Scenarios let you model "what if" situations without affecting real data:

  • What if the largest customer pays 30 days late?
  • What if we win a new contract worth €50,000?
  • What if we delay a major supplier payment?

Create a scenario by copying the base forecast and adjusting specific items. Scenarios are independent — they don't post to the ledger.

Buffer policy​

The Buffer policy page sets the minimum cash reserve your organisation wants to maintain. Shillinq flags any period in the forecast where the projected balance drops below the buffer threshold.

Configure:

  • Minimum buffer — absolute minimum cash balance
  • Target buffer — desired comfortable level
  • Buffer currency — EUR (or functional currency if different)

Recurring items​

Recurring cashflow items are known future cash movements that don't come from bills or invoices — salary runs, quarterly tax payments, loan instalments, lease payments, standing order subscriptions.

Add each recurring item with:

  • Amount and direction (in or out)
  • Frequency (weekly, monthly, quarterly, annual)
  • Start date and optional end date

Shillinq includes these in the cashflow forecast automatically.