Wondering if your business has enough cash, or whether you’ll be tight in 8 weeks? This free tool gives you both answers in 60 seconds.
The Cashflow Health Check scores your business across six standard financial ratios — the same ones a CFO would look at — then projects your cash position out 13 weeks based on your typical trading numbers.
Cashflow Health Check & 90-Day Forecast
A free tool from Trinity Accounting Practice — see how your business is travelling and what’s coming.
Snapshot — today’s position
Trading — typical month
Forecast — next 90 days
Enter your numbers on the first tab and click Run my check & forecast.
Enter your numbers on the first tab and click Run my check & forecast.
Three steps, sixty seconds
Enter your numbers
Cash on hand, receivables, payables, typical monthly revenue and costs. Most owners can do this from memory or a quick glance at Xero.
Get your score
Six ratios benchmarked against healthy SME ranges, weighted into a single 0–100 health score with traffic-light status and plain-English recommendations.
See the 13-week forecast
Week-by-week projected cash balance with a chart, plus a verdict on whether you're On Track, Tight, or facing a Shortfall.
The six cashflow ratios
These are the numbers Trinity's Virtual CFO clients see in their monthly board pack. Now you can see them yourself.
| Ratio | What it tells you | Healthy range |
|---|---|---|
| Cash runway | How many months you could keep running if revenue stopped tomorrow. | 3 – 6+ months |
| Days Sales Outstanding (DSO) | Average days customers take to pay you. | ≤ 45 days |
| Days Payable Outstanding (DPO) | Average days you take to pay suppliers — too short ties up cash, too long damages relationships. | 30 – 45 days |
| Current ratio | Whether short-term assets cover short-term liabilities. | ≥ 1.5 |
| Quick ratio | Same as current ratio but excluding inventory — true liquidity. | ≥ 1.0 |
| Gross margin % | Whether your pricing covers direct costs with enough left for overheads and profit. | 30%+ |
Questions we hear a lot
Is this tool actually free? What's the catch?
It's free, no signup, no email capture. We built it because we'd rather help business owners make better decisions today than chase them with marketing emails. If you want a deeper review or a 12-month forecast integrated with Xero, that's where Trinity's paid Virtual CFO service comes in — but you're under no obligation to ever speak to us.
Where does my data go?
Nowhere. The entire tool runs inside your browser using JavaScript. Your numbers are never sent to Trinity, never stored on a server, never analysed. Close the tab and the data is gone. It's safe to use on your real business numbers.
How accurate is the 13-week forecast?
It's a directional forecast based on the typical monthly trading numbers you enter, with a built-in collection lag from your DSO. It's accurate enough to flag a looming shortfall or confirm you're on track. It's not a substitute for a proper three-way forecast (P&L, Balance Sheet, Cashflow) integrated with your accounting file — that's what Trinity builds for clients planning growth, applying for finance, or making major investments.
What if I don't know my numbers exactly?
Round estimates are fine for a health check. Pull your last bank statement for cash, your Xero AR/AP summary for receivables/payables, and use your average monthly P&L figures for revenue and costs. The tool is sensitive to direction and magnitude, not decimal places.
I run a service business — do I need to enter inventory?
No. Leave inventory at 0. The tool handles services businesses cleanly — your Days Inventory Outstanding will be zero and your cash conversion cycle becomes DSO minus DPO.
How does Trinity's full Virtual CFO service differ from this tool?
This tool gives you a point-in-time snapshot. Trinity's Virtual CFO service delivers a monthly board pack with three-way forecasting, KPI dashboards, budget vs actual variance analysis, scenario modelling, and quarterly strategy reviews — fully integrated with your Xero file. We work with small businesses through to NFPs and schools across Australia.
I got a red score — what should I do?
Don't panic, but do act. Red scores usually mean one or two specific ratios are dragging the overall down — fix those and the whole picture changes quickly. The recommendations in your result list which lever to pull first. If you'd like a 30-minute call to walk through what the numbers mean for your business, book one below.
Prefer Excel? Download the workbook version
If you'd rather work in a spreadsheet — same six ratios, same 13-week forecast, with a chart and conditional formatting. Free to download, yours to keep.
Want this turned into a real plan?
A Trinity CFO can turn your snapshot into a 12-month working forecast — integrated with Xero, reviewed monthly, with the strategic guidance to actually act on it. Free 30-minute call, no pressure.
Book a free 30-min call Learn about Virtual CFO ServicesTrinity Accounting Practice · Established 2003 · Principal: Ramy Hanna FIPA, FTIA, FNTAA · Registered Tax Agent · Certified Xero Advisor
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