Free financial planning tool · 12-week horizon

Trucking Cash Flow & Runway Calculator

Estimate whether your carrier can pay fuel, insurance, truck bills and owner draws before customer invoices arrive. Identify a shortfall before dispatch commitments create it.

Edit the example values

Business assumptions

Cash available and invoices already issued

Opening cash ($)Business cash available at the start of week 1 Minimum cash cushion ($)Warning threshold; not an expense Existing unpaid invoices ($)Total already invoiced before this 12-week schedule Week those invoices are collectedWeek 1–12; use 0 if no opening invoices

New weekly work and payment timing

New invoices issued each week ($)Billings expected from trips in each operating week Weeks from invoice to cash receipt3 = week 1 invoices received in week 4; 0 = immediate

Cash paid each week

Variable cash costs per week ($)Fuel, tolls, maintenance paid, and similar trip cash spending Fixed cash bills per week ($)Insurance, equipment payments, software and overhead Owner draw per week ($)Personal cash withdrawn from the business One-time cash expense ($)Unexpected repair, deductible or tax payment Week of one-time expenseWeek 1–12; use 0 if one-time expense is zero

This tool runs in your browser. Nothing is uploaded. Invoice timing, costs and customer behavior are illustrative assumptions.

Base scenario

Your 12-week outlook

Lowest projected weekly cash balance—Edit inputs to update the projection

End of week 12—

First week below your cushion—

First week below $0—

Additional funds to preserve cushion—

Payment delay stress test

What if new invoices take two extra weeks to arrive?

——

The model assumes the same amount of new invoices and cash expenses each week. It schedules the entire opening receivable balance for one selected week. It excludes borrowing costs, defaults, settlement delays beyond those entered, tax timing and seasonal changes unless you explicitly include them in cash expenses.

Cash receipts ≠ invoice revenue

Week-by-week cash position

Closing balances below the cushion are flagged; negative balances are shown separately.

Twelve weeks of forecast business cash receipts, payments and ending balance
Week	Cash received	Cash paid	Closing cash	Status
Enter assumptions to display the forecast.

If you already hold unpaid invoices, enter them only under existing receivables; do not include them again in new weekly invoices. The model shows weekly closing balances, not intraday payment timing.

How the forecast works

Keep earned revenue separate from cash received

Weekly closing cash = prior week cash + invoices collected that week − actual cash paid that week. For a three-week payment delay, week 1's new invoices appear as cash in week 4, not in week 1. The starting receivable balance is collected once on its selected week.

Your minimum cash cushion is a planning threshold, not a deduction from cash. A cushion warning means you may need financing or expense changes before the bank account reaches zero.

This calculator is not a profit-and-loss statement and is not a substitute for your actual invoice aging report, bank reconciliation or tax advice. For the accounting distinction between cash and accrual concepts, see IRS Publication 334.