Cash gap calculator · free Finished in March. Paid in June. Drawn to scale.
Four numbers you already know. The instrument draws your cash cycle to scale — the days between finished work and money in the bank — and counts the weeks of payroll you front from your own pocket while the money is on its way.
The Leak Calculator counts revenue that never arrived. This one estimates money you have already earned — and where it waits. Two numbers every owner should know.
The Cash Gap
live · computed in your browser
Done day 0 · Invoiced day 7 · Due day 37 · Paid day 54
7 full weeks before the money lands · one claret notch per week — with weekly payroll, that many runs come out of your pocket; biweekly, about half
Billed work, not bank balance. A starting point, not an average — put in last month’s number and the ruler redraws.
Count it off your last three jobs; use a recorded figure instead of a guess. We start at 7 as an assumption, not a finding. Your last three invoices know the real number.
Net-30, net-45 — whatever the paperwork says. Starts at net-30 as an assumption. If you never set terms, this is whatever the client assumes.
As it actually runs — not as the terms say. Starts at 47 as an assumption. Your accounting software calls the real one “average days to pay.”
Use recorded figures where you have them. Where you are estimating, read the result as a scenario, not a measured balance.
Estimated revenue awaiting payment, on an average day
$213,030
A steady-flow estimate from your four inputs — earned and billed work, not a ledger balance. Parked is not lost; it is the wait, priced.
- Your money is out for
- 54 days
- Weeks of payroll you front
- 7
- Days before the bill goes out — the clock the client never sees
- 7 days
17 days past the agreed window
Now walk the whole chain — the Self‑Audit, about four minutes
- Revenue on an average day
- $3,945
- Days from finished work to money
- 54
- An average day, times the wait
- $213,030
Nothing on this page is sent anywhere until you fill out the form below and press the button — and only the inputs you actually set travel as yours; the rest are marked as example values. The share link is written only when you press Copy.
What happens next
Send us your numbers and we will help separate process delays from the terms you agreed to.
A 20-minute call, your figures, no deck. Some of your gap is the agreement you signed; some of it is paperwork sitting on a desk. If the honest answer is that your gap is ordinary for your terms, we say that on the call — and you keep the ruler either way.
Prefer to say it out loud? +1 (202) 600-6027. A real person answers or calls you back the same business day.
What this number is, and what it is not
It measures waiting, not loss.
It runs on your numbers and labeled starting points. Every default is an assumption, marked as such under its field. Replace them with your own counts and the ruler is yours, not ours.
It is a steady-flow estimate, not your ledger. It assumes billed work arriving at an even pace, and it deliberately leaves out retainage, staged payments, deposits, and seasonality — where those apply, the real wait runs longer than this drawing. Net-45 you agreed to is a decision, not a leak; what the ruler separates is the part nobody decided.
It is not financing advice. We do not recommend loans, factoring, or terms. The Revenue Review reads your ledgers and separates process days from terms days — then you decide what, if anything, to change.
This is the same rule every figure on this site follows: it is your input, a cited source, something we measured on ourselves, or a labeled assumption. There is no fifth kind.
The habit that keeps both numbers honest is a sheet of paper — the Friday Ledger, six weekly checks you fill in by hand. Printable, free, no email.