> ## Documentation Index
> Fetch the complete documentation index at: https://www.adorabl.info/llms.txt
> Use this file to discover all available pages before exploring further.

# Cash flow

> Plan and forecast cash inflows and outflows.

The Cash Flow screen helps Trail Ridge Outfitters see whether operating cash stays above a floor over the next 30, 60, or 90 days. A calendar shows when money moves, a projection chart rolls balances forward, and you can drag AP payments to test alternate pay dates — all without leaving Finance.

## Prerequisites

* Select the correct **organization** in the sidebar switcher.
* For live bank activity on the calendar, connect accounts through Plaid. See [Connect bank accounts](https://www.adorabl.info/banking/connect-bank-accounts.md).
* Open AP bills and AR invoices feed predicted outflows and inflows automatically.

## Open Cash Flow

**1. Navigate**

1. In the sidebar, open **Finance**.
2. Click **Cash Flow**.

## KPI strip

Four tiles sit above the calendar:

| KPI | Meaning |
| - | - |
| **Cash position** | Month-opening balance on your cash accounts, plus live balances from connected banks that are not already mapped to those accounts |
| **Period low** | Lowest projected balance in the selected horizon — turns red if it falls below your floor |
| **Threshold floor** | Minimum cash you want to maintain — click to edit (Trail Ridge uses **\$2.0M**) |
| **Threshold alerts** | Count of days the projection breaches the floor in the next 30, 60, or 90 days |

## Calendar

The calendar is the planning surface. Use the month arrows to move between months; today's date is highlighted when you are viewing the current month.

Each day cell can show:

| Event type | Appearance | Source |
| - | - | - |
| **Predicted AP** | Blue draggable chip (for example, `−$48k Apex Supply`) | Open bills on their pay date, or their due date when no pay date is set, including overdue bills |
| **Predicted AR** | Lighter inflow chip | Open invoices and predicted receipt dates |
| **Recurring outflows / inflows** | Scheduled templates | Payroll, rent, subscriptions |
| **Bank transactions** | Posted (and pending) activity from connected accounts | Plaid imports |
| **End-of-day balance** | Small balance label on days within the projection window | Rolled forward from starting cash |

Click any chip to open the **event detail** panel — supplier, amount, bill number, account, and direction. **View Details** opens the invoice, the bill, or the recurring template behind the chip. Bank-feed rows have no document in adorabl, so that button is hidden.

### Drag AP payments (local only)

**Predicted AP** chips are draggable. Grab a chip and drop it on another day to model paying a bill earlier or later.

| Behavior | Detail |
| - | - |
| **What moves** | Only **AP payment** chips — not AR receipts, bank lines, or recurring items |
| **What updates** | The projection chart and end-of-day balances recalculate immediately |
| **Persistence** | Moves are **local to your browser session only**. Refreshing the page or signing out resets dragged dates to the original bill pay dates |

> [!TIP]
>
> Use drag-to-reschedule to answer "what if we push Apex Supply from the 15th to the 22nd?" before you commit to a payment run in [Outgoing payments](https://www.adorabl.info/accounts-payable/outgoing-payments.md).

### Save plan (coming soon)

The **Save plan** button appears in the header next to **Auto-execute**. Saving a cash plan — including dragged AP dates — is **not yet available**. When it ships, saved plans will persist rescheduled payments and support automated execution when actual inflows stay within tolerance.

> [!WARNING]
>
> Do not assume dragged AP dates are saved or sent to AP. They are a what-if overlay until **Save plan** is released.

## Projection chart

Below the calendar, the **projection** panel charts cash balance over time:

* Toggle the horizon: **30**, **60**, or **90** days.
* A horizontal **threshold** line marks your floor.
* The chart highlights the **period low** — the worst projected balance in the window.

The projection rolls forward from **Cash position**, adds predicted AR and bank inflows, subtracts AP, recurring outflows, and bank outflows, and respects any **local AP drag** overrides on the calendar.

## Example: Trail Ridge Outfitters

Trail Ridge views **July 2026** with a **\$2.0M** floor and a **60-day** projection:

1. **Cash position** reads **\$2.4M**, combining book cash with Chase Operating ••4521.
2. Three AP chips cluster on the 15th — Apex Supply ($48k), UPS Freight ($12k), and a card payoff ($35k). The **period low** on the 16th drops to **$1.92M\*\*, triggering a threshold alert.
3. They drag Apex Supply to the 22nd. The projection recalculates — **period low** rises to **\$2.05M** and the alert clears.
4. They note the improvement but do not click **Save plan** — the move is session-only until that feature ships.

Posted Shopify payout deposits from Plaid appear as bank inflow chips on the 3rd and 17th, anchoring the forecast to real activity.

## Related guides

> **[Connect bank accounts](https://www.adorabl.info/banking/connect-bank-accounts.md)**
>
> Link accounts so bank activity appears on the calendar.

> **[Bank reconciliation](https://www.adorabl.info/banking/bank-reconciliation.md)**
>
> Match imported transactions to the ledger.

> **[Banking overview](https://www.adorabl.info/banking/overview.md)**
>
> How Banking screens fit together.

> **[Outgoing payments](https://www.adorabl.info/accounts-payable/outgoing-payments.md)**
>
> Where AP bills and payment runs originate.

## Troubleshooting

> **No bank activity on the calendar**
>
> Connect accounts on [Bank Reconciliation](https://www.adorabl.info/banking/bank-reconciliation.md) and confirm Plaid sync is current. Bank chips only appear within the fetched date range for the visible month and projection horizon.

> **Dragged payment reverted after refresh**
>
> AP reschedules are local-only by design until **Save plan** is available. Re-drag the chip or wait for the saved-plans release.

> **Period low looks wrong**
>
> Check the threshold floor, projection range (30/60/90), and whether large AP chips sit on the same day. Drag AP to spread pay dates and watch the chart update.

> **AR predictions missing**
>
> Open invoices and recurring AR templates drive predicted inflows. Confirm receivables setup is complete. See [Receivables setup](https://www.adorabl.info/accounts-receivable/setup/receivables-setup.md).


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