Cash Projection
Cash Projection lets you model "what-if" scenarios to see how different decisions would affect your cash position over the next 6 months.
Scenario Sliders
Five adjustable inputs let you model different scenarios:
| Slider | What It Controls | Default |
|---|---|---|
| Revenue Growth Rate | Monthly revenue growth percentage | Your actual trailing growth rate |
| Ad Spend Delta | Percentage change in ad spend from current | 0% |
| OpEx Delta | Percentage change in operating expenses | 0% |
| COGS Delta | Percentage change in cost of goods sold | 0% |
| New Monthly Cost | A new fixed monthly expense ($0 to $50K) | $0 |
Preset Scenarios
Four quick-start scenarios are available:
- Cut Ad Spend — models a 30% reduction in ad spend
- Raise Prices — models a 10% increase in revenue
- Cut Costs — models a 15% reduction in operating expenses
- Aggressive Growth — models 15% revenue growth with 50% more ad spend
Click any preset to set the sliders automatically. You can further adjust from there.
Projection Chart
A 6-month line chart shows two lines:
- Base Line — your projected cash position if nothing changes
- Scenario Line — your projected cash position with the adjustments
If the scenario line crosses zero, a break-even marker shows the month when you would run out of cash.
Impact Summary
Below the chart, you will see:
- Runway Delta — how many more (or fewer) days of runway the scenario provides
- Monthly Net Cash Flow Delta — the change in monthly cash flow
- Current vs. Scenario comparison of monthly revenue, expenses, net cash flow, and cash runway
Cash Runway Source
Cash Projection uses the same Cash Runway source shown on your dashboard. Complete QuickBooks or Xero data is used first. If that is not ready, Nummbas can use a qualified 90-day bank estimate from Plaid.
When a bank estimate is used, Nummbas says it is based on connected bank activity and keeps the date range with the result. Plaid alone does not provide Net Profit or Net Margin.
Ask Nummbas-FO
A button at the bottom pre-fills Nummbas-FO with your current scenario settings so you can ask for AI-powered advice on the scenario you are considering.
The projection model uses a decaying growth rate to keep forecasts realistic. This means early months in the projection see more growth impact than later months.