Krutin Advisors LLP

Cash Flow Health Checker

Estimate whether cash flow visibility is healthy, watchlisted, or needs urgent finance review. Each input includes a short explanation for non-finance users.

Total usable bank and cash balance available now. Exclude money that is blocked, disputed, or not available for operations.
Why it matters: This is the starting point for runway. A profitable company can still struggle if usable cash is low.
Regular monthly costs such as salary, rent, EMI, software, utilities, and minimum operating expenses.
Why it matters: Fixed outflow tells how quickly cash will reduce even if new sales slow down.
Customer collections expected in the next 30 days based on invoices, payment terms, and realistic follow-up.
Why it matters: Near-term collections can improve liquidity, but only if they are genuinely collectible.
Customer amounts that are already delayed by more than 60 days from due date.
Why it matters: Old receivables often signal collection risk, customer disputes, weak follow-up, or revenue quality issues.
Vendor, statutory, loan, salary, or other payments that should be made within the next 30 days.
Why it matters: Upcoming payables reduce available liquidity and must be planned before committing to new spending.
How regularly the business forecasts cash inflow and outflow instead of checking only the current bank balance.
Why it matters: Forecasting gives early warning. Bank balance alone tells what happened, not what is coming next.
Enter cash flow inputs

Run the checker to see runway and action areas.

Disclaimer: This is a planning signal, not a treasury or insolvency opinion.