TOOLS & GUIDES
Pay-yourself & cash-buffer planner.
See what your cash really covers once tax and other set-asides are taken out, then map the next 13 weeks of money in and out to find the tightest point rather than just the closing balance. Free, private, no sign-up.
Separate your set-asides
See your real headroom
Spot the tightest week
Part of:
Working for yourself
ASSUMPTIONS AND SCOPE
What the planner covers, and what it doesn’t.
WHO IT’S FOR
UK sole traders and freelancers planning business cash. It assumes the cash you enter is business money you control, and that you can separate what is already spoken for.
TIME WINDOW
A 13-week view from the cash position date you choose. Money out is applied before money in on the same day, so same-day timing is treated cautiously.
WHAT IT SHOWS
Cash after earmarks, how many months your regular costs are covered, and a dated 13-week run of receipts, payments and drawings with the lowest point marked.
YOUR BUFFER
Compare your position against a buffer you choose, as a cash amount or as months of regular costs. A comparison only: there is no recommended target and no permission to withdraw.
SCENARIOS
Test a late receipt, a missing payment or a different drawing without losing your starting plan. Save a plan to your own device and open it again later.
NOT COVERED
Tax calculation, whether your set-asides are enough, bank connections, interest, credit decisions, and anything outside the dates and amounts you enter.
This is an illustrative cash plan based only on the dates and amounts you enter. It is general information, not financial, tax or debt advice, and it does not calculate tax or check whether your set-asides are enough. If money is tight, free regulated debt advice is available.
Model version v1
GUIDES TO HELP YOU EXPLORE
Read alongside the planner.
NEXT STEP
Cash mapped? Now check what you’ll owe and when.
The sole trader tax & deadline planner estimates the bill this planner asks you to set aside for.
Try the tax planner