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 | Monthly revenue growth percentage | Your actual trailing growth rate |
| Ad spend | Percentage change in ad spend from current | 0% |
| Operating expenses | Percentage change in operating expenses | 0% |
| Product costs | 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:
- Lower Ad Spend — models a 30% reduction in ad spend
- Faster Sales Growth — adds 3 percentage points to monthly sales growth
- Lower Running Costs — models a 15% reduction in operating expenses
- Growth Push — adds 5 percentage points to monthly sales growth with 25% more ad spend
Choose a preset to set the sliders, then adjust them as needed. Presets and controls that need more complete data explain why they are unavailable.
Under How should sales change?, choose Follow past performance, Half the past response, or Keep sales unchanged to control how an ad-spend change affects projected sales. Past performance does not guarantee future sales.
For a new monthly cost, choose Start paying from to set its first month. Use Reset scenario to clear your changes.
Projection Chart
A 6-month line chart shows two lines:
- Current Forecast — your projected cash position if nothing changes
- Your Scenario — your projected cash position with the adjustments
The Cash flow turns positive marker identifies when projected monthly cash flow becomes positive. It does not mean your cash balance has reached zero.
Impact Summary
The comparison shows:
- Current forecast and scenario values for month-end cash, monthly revenue, monthly expenses, net cash flow, and cash runway
- The change between the current forecast and your scenario
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
Use the Nummbas-FO question input beside the projection to discuss your scenario. Your current scenario settings provide context for the question.
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.