FORECASTING, HONESTLY

Next quarter
is unwritten.Your records
draw the range.

A forecast here is arithmetic, not optimism. CashFish takes 150 days of your history, the invoices and bills that are already open with dates on them, and the rhythms it finds repeating in both — then projects them forward as a range and redraws it the day anything changes. It is an estimate, and it says so.

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Owner-operatorsFinance leadsStudios and shopsAnyone planning a quarter

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01Four decisions made blind

Today's balance is a fact.
Next month is a shrug.

Nobody is missing the numbers. They are all there — in the inbox, the bank feed, a folder of PDFs, a subscription that renews quietly. What is missing is the small piece of arithmetic that puts them in date order and reads the result out loud.

It's the 9th. Payroll clears on the 25th.

You know today's balance to the dollar. What you do not know is the balance on the morning payroll runs, because two invoices, a supplier bill and a quarterly premium all land in between — in an order nobody has written down.

checked: the bank app, then a feeling

A supplier wants an answer on a $6,000 order

The price is good and it expires Friday. Whether saying yes is comfortable depends entirely on money that hasn't arrived yet, so the decision gets made on nerve instead of arithmetic.

decided: without adding it up

The spreadsheet was true in July

It was built once, carefully, on a Sunday afternoon. Since then four costs changed, one client moved to net 30, and the file has not been opened — but it is still the thing everyone quotes.

last edited: seven weeks ago

The insurance premium again — it's quarterly

It arrives every three months and surprises you every three months, because the only place it lives is an old email and the part of your memory that is busy with something else.

found: the day after it cleared

A bigger model would not help here. The things you already own — dates, amounts and habits — simply need lining up in the order they will happen.

02How the estimate is built

Four ingredients,
one correction,
and a range at the end.

There is no black box worth defending here. Each input contributes something you can name, and each one moves the range in a direction you can predict. If the answer looks wrong, you can see exactly which ingredient to argue with.

01

150 days of history

documents and transactions imported at setup

The rhythm of the business: roughly $21,400 arriving and $19,300 leaving in an average month.

sets the middle

02

Open receivables

two invoices, $5,750, with due dates

Money already promised, placed on the weeks it is actually due rather than smeared across the month.

lifts the near weeks

03

Open payables

two bills, $2,130, with due dates

Money already owed, on its own dates — including the quarterly premium that only shows up four times a year.

dips week three

04

Recurring patterns

five rhythms found in the records

Rent on the 1st, hosting on the 3rd, payroll on the 25th, software monthly, card fees weekly — $12,809 in September.

sets the floor

05

Your corrections

records you fix, dates you move

Push invoice #241's expected date out three weeks and the estimate re-runs from the corrected record — $3,600 leaves week two and lands in week five.

widens the low edge

=

Cash at week 13, as a range

low $16,900likeliest $24,800high $32,400

estimate · not a promise

Estimates, clearly labeled. CashFish projects forward from what is actually recorded and marks every forward number as an estimate — it does not simulate hypothetical scenarios, and scenario simulation is on the roadmap rather than in the product. Sample figures shown for one illustrative business.

03What enters the estimate

Most of next month
already has a date on it.

Two invoices are open with due dates. Two bills are owed with due dates. Rent, hosting, payroll and card fees keep their own calendars. Drawn on one line, September stops being a fog and starts being a sequence.

Dated in · +$5,750 across two invoicesDated out · −$2,130 across two billsRecurring found · $12,809 across five rhythmsCash today · $18,400

12Invoice #241 · Fernhill RetailOpen receivable. It carries its own due date into the estimate.+$3,600

15Insurance premiumQuarterly. September is one of its months, and the history knows that.−$1,150

18Marden Paper · supplier billRead from the inbox on arrival, with its amount and its due date.−$980

26Invoice #244 · Osprey DigitalOpen receivable. Move its expected date and the estimate is drawn again.+$2,150

Invoices, bills and statements are read from Gmail, Outlook or any IMAP inbox as they arrive — amounts, dates and parties extracted in under three seconds, with duplicates caught. Every extracted field is shown for you to check and correct.

04What it actually does

An estimate earns
its place by showing
its own workings.

Read them as promises about behaviour rather than features. A forecast earns its place by staying current, showing its reasoning, and letting you overrule it without breaking anything.

01

A baseline instead of a blank page

Setup imports up to 150 days of documents and activity, so the first estimate is drawn from how the business has behaved — not from numbers typed into an empty grid on a Sunday.

02

Money already promised, already dated

Receivables and payables carry their amounts and due dates into the projection. Two open invoices worth $5,750 and two bills worth $2,130 sit on the exact weeks they fall due.

03

The rhythms it finds for itself

Rent on the first, hosting on the third, payroll on the twenty-fifth, card fees every week. These are read out of the records rather than remembered — which is why the quarterly one stops ambushing you.

04

Every number traces back to a record

A figure in week five is there because an invoice, a bill or a repeating pattern put it there, and you can follow it back to the document it came from. When the record is wrong, you correct the record — and the estimate is drawn again from the correction.

05

Redrawn the day the facts land

A payment clearing or a new bill read from the inbox reshapes the projection the same day. Documents sync every five minutes; there is no quarterly rebuild to wait for.

06

A longer view on Scale

Advanced forecasting extends how far forward the estimate reaches, and profitability by client and vendor sits beside it — so the shape of next quarter comes with a reason attached.

05The supply side

An estimate is only as fresh
as what feeds it.

0

days of history

Documents and transactions imported at setup, so the first estimate has something to stand on.

0+

banks connectable

Read-only access on Growth and above keeps the actuals flowing underneath the estimate.

0 min

between syncs

New receipts, invoices and bills are pulled from the inbox and folded into the picture.

0%

extraction accuracy

Amounts, dates and parties are read from a document in under three seconds.

Revenue and expense forecasting and read-only bank sync both begin on Growth. Starter covers document extraction, expense and subscription tracking, budgets and the cashflow dashboard.

06Where the facts come from

The inbox, the processor, the ledger —
all reporting to one line.

Gmail · Outlook · IMAP

Invoices, bills, receipts and statements are read on arrival, which is where most of the dated money comes from.

AVAILABLE

Stripe

Payments match to the invoices that raised them, so a receivable stops being an expectation the moment it clears.

GROWTH AND UP

PayPal

The same matching for anything collected there, with the fee separated from the amount received.

GROWTH AND UP

QuickBooks · Xero

A one-way import into CashFish. Your ledger keeps its own history; the forecast just gets a longer memory to read.

ONE-WAY IMPORT

Bank sync

Read-only connections to 12,000+ banks on Growth and above, so the actual balance sits under the estimate at all times.

GROWTH AND UP

Also Yahoo Mail, iCloud Mail, Zoho Mail, Square, Google Drive, Dropbox, OneDrive, Slack, Zapier and webhooks. QuickBooks and Xero import one way into CashFish. Bank access is read-only, data is protected with 256-bit encryption under SOC 2 Type II, ISO 27001 and GDPR, and any connection can be disconnected from settings at any time.

07Scale, and why

Import the history.
See the first estimate the same day.

Revenue and expense forecasting starts on Growth, on top of read-only bank sync and your document history. Scale is the plan when you want the longer view — advanced forecasting, plus profitability by client and vendor so the shape ahead comes with a reason attached.

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08The skeptical questions

Six answers,
including the awkward one.

It is an estimate, and CashFish labels it as one everywhere it appears. Accuracy tracks regularity: a business with steady rent, payroll and subscriptions projects cleanly, while lumpy project revenue carries a wider band. That is why the forecast is drawn as a range rather than a single line — the width of the band is the honest part of the picture, not a design flourish.

Next quarteris unwritten.Your recordsdraw the range.

Today's balance is a fact.Next month is a shrug.

Four ingredients,one correction,and a range at the end.

Most of next monthalready has a date on it.

An estimate earnsits place by showingits own workings.

An estimate is only as freshas what feeds it.

The inbox, the processor, the ledger —all reporting to one line.

Import the history.See the first estimate the same day.

Six answers,including the awkward one.