BUSINESS FUNDING, EXPLAINED

Cash Shortfall & Payroll Planner

Estimate your next four weekly cash balances and see when payroll or bills may create a shortfall. Free, private calculation with no signup.

Your next four weeks

No signup required. Calculator inputs stay in this page and are not submitted or saved. Standard site traffic measurement is separate. Refreshing clears your entries.

Cash available today ($)

Week 1Cash expected in ($)Payroll due ($)Other bills & payments ($)

Week 2Cash expected in ($)Payroll due ($)Other bills & payments ($)

Week 3Cash expected in ($)Payroll due ($)Other bills & payments ($)

Week 4Cash expected in ($)Payroll due ($)Other bills & payments ($)

Enter 0 where none is expected. Include existing debt payments in other bills; do not count payroll twice.

Projected cash position

Complete every field with a nonnegative number to see your estimate.

Will there be enough cash for payroll?

Start with available cash, then enter expected receipts and cash payments for each week. Use the date money is expected to clear, not the date an invoice was issued. Weekly balances carry forward automatically.

How this estimate works

Closing balance = opening cash + receipts − payroll − other bills. The largest negative week-end balance is the estimated gap. The tool does not assume a new loan, interest, a minimum reserve or additional fees.

Illustrative example

The Load example button uses invented planning figures: $10,000 opening cash and four weeks of receipts and expenses. It produces balances of $3,000, −$2,000, $4,000 and $4,000. A $2,000 gap first appears in week two. These are not customer results.

Review collection timing, bill due dates and your cash reserve before deciding whether financing is useful. See our payroll cash-flow guide or test a proposed funding payment.

See what could fit your business.

Email, mobile and current revenue status are required. Financial figures and bank statements are optional. Loan Sweet Loan is a lead-generation and referral platform, not a lender or broker.

See My Funding Options

By Loan Sweet Loan · Updated October 9, 2026 · Educational, AI-assisted content. About our guides

PLAN YOUR NEXT STEP

Not ready to apply?

Get a practical funding checklist by email. Know what to prepare, what to ask, and what to compare.

Or read the checklist now →