12-month cash-gap planner

See when cash could run short over the next 12 months, including tax payments, one-off items and the cash tied up in late customer payments.

How much cash do late payers tie up?Annual credit sales (AED, excluding cash sales)Average days customers take to pay nowTarget days to collect

Your 12-month scenario

AED, digits only, e.g. 1,234.50

Opening available cash (AED)Recurring monthly receipts (AED)Recurring monthly payments (AED)

Alternative scenario (optional)

Leave blank to reuse the base amount. The result shows both scenarios side by side.

Alternative monthly receipts (AED) (optional)Alternative monthly payments (AED) (optional)

Tax payments (optional)Typical VAT payment per quarter (AED) (optional)First VAT payment falls in monthCorporate Tax payment (AED) (optional)Corporate Tax payment falls in month

One-off items by month (optional)

MonthInOut123456789101112

Everything you enter stays in this browser. Nothing is sent unless you choose to attach a summary to an enquiry.

How this works

Each month: closing cash = opening cash + receipts + one-off inflows − payments − one-off outflows − tax payments.
Monthly totals cannot show a shortfall inside a month, and the result is a planning scenario, not a forecast or solvency opinion.
Late-payment release = annual credit sales ÷ 365 × days collected sooner, assuming credit sales are spread evenly through the year.

Turn this into a driver-led cash model

Guides behind this tool

Cash Flow Forecasting for UAE SMEs: A Practical Guide