A cash flow statement is a report of the money that actually moved in and out of a company over a period, listed by the day or the month it moved. Golden Inventory builds one from the payments and documents you already hold, and its business simulator plays those same orders forward so you can see the days the cash goes low before they arrive.
Start freeA cash flow statement answers one question: when did money leave and when did it arrive? It is not the profit and loss statement, which counts revenue when it is earned and cost when it is stamped. A cash flow statement counts the payment. An invoice sent in March and paid in May is revenue in March and cash in May, and only the cash flow statement shows the gap.
In Golden Inventory the figures are not typed in. Every payment names the account the money left or entered, and each account balance is derived from the payments that moved through it, never stored. The cash flow by month report reads that single payments table, so a wage, a rent and a transfer between your own accounts cannot be missed by a report that forgot a second source. The free plan includes one bank account, and paid plans raise that limit.
| Month | Money in | Money out | Net | Balance |
|---|---|---|---|---|
| January | 12,000 | 9,500 | 2,500 | 2,500 |
| February | 8,000 | 11,000 | -3,000 | -500 |
| March | 15,000 | 10,000 | 5,000 | 4,500 |
The row that crosses zero is the one to watch. In the table above February ends below zero, and the business simulator reports the same day as its low point. That is the whole point of reading cash rather than profit: a profitable quarter can still run out of money in the middle of it.
The business simulator is included on the free plan and projects further on paid plans. It plays the company forward one day at a time from the purchase orders and sales orders it already holds. Goods arrive on the delivery date of each purchase order. A sales order ships if the goods are on the shelf and waits whole if they are not. Money leaves on the vendor's terms and arrives on the customer's. The panel has two controls, an end date and a Start button, and the plan sets how far ahead it may look.
Here is a real numbers example. A workshop holds 5,000 in the bank on 1 March. It has a sales order for 4,000 due 10 March, paid 30 days later, and a purchase order for 2,500 of parts due 5 March, paid on receipt. Rent of 1,200 leaves on 1 March. The simulator walks the days: 1 March the balance drops to 3,800. 5 March it drops to 1,300. 10 March the goods ship and nothing arrives yet. The lowest cash is 1,300, and the money from the sale lands on 9 April. Nothing is random and nothing is written into stock, documents or books. The same orders over the same dates give the same figures every run.
Repeating work feeds the same projection. One document carries the rule, the same sales order every week or the same purchase order every month, and the app expands it into dates rather than copies. Each date stays a plan until a human accepts it, so one invoice can no longer close a standing order. Money repeats the same way: rent, electricity and subscriptions are kept as a rule on the Payments out screen, the rule names the vendor it pays and the account the money leaves, and nothing is ever paid automatically. A draft is kept out of the forecast with one checkbox.
The simulator ends in a cash flow and a profit and loss, by day and by month, with the purchases it had to place and the days the cash goes low. The free plan looks 90 days ahead, Pro a year, and Business and Premium two years. Analyzing and forecasting cash flow this way lets a small business hold an optimal level of resources instead of guessing. The free plan costs 0 per month and allows 50 documents per month, which is enough to try the simulator on your own orders. Pro is 49 per month or 490 per year. Business is 99 per month and allows 10 users.
No. The profit and loss statement counts revenue when it is earned and cost when it is stamped. A cash flow statement counts the payment, so an invoice sent in March and paid in May appears in different months on each report.
No. Every account balance is derived from the payments that moved through it and never stored. A transfer names both accounts, so it moves two balances and changes no total.
The free plan looks 90 days ahead, Pro a year, and Business and Premium two years. The panel has two controls, an end date and a Start button.
No. It reads the documents and writes nothing into stock, documents or books. There is no randomness, no seed and no band, so the same orders over the same dates give the same figures.
Yes. The free plan costs 0 per month and includes the business simulator with 90 days of reach, one bank account and 50 documents per month. No card is required.
Run the simulator on your own orders. The free plan costs 0 per month and needs no card.