The Planner tab: what it shows and what it does not
The Planner starts from today's bank balance and adds the expected receipts and payments period by period. It highlights the low point and when the balance would drop below zero.
Period rows can be expanded: underneath are the items the total is made of (partner, reference, date, amount).
What it includes:
- Open invoices in both directions, counting only the unpaid part. A part-paid invoice does not appear at its full value.
- If instalments were recorded for an invoice, it follows them; whatever the plan leaves out goes on the due date.
- Wages and contributions, monthly.
- Loan and lease repayments, from the planned instalments.
- Planned cash flow items (tax, grants and anything else without an invoice), one-off and recurring.
- Recurring invoices ahead of time, in both directions: upcoming occurrences appear before the invoice is issued. Once issued, it counts as the invoice, so the same amount never appears twice.
Invoice rows can be moved and split with the icons on the row. Wages and repayments cannot, because a setting or a contract decides those.
Wages and repayments only appear from today: anything already due has been paid and is part of the current balance.
What it does not include: deals not yet won (CRM opportunities). So the income side is a cautious estimate. The curve shows the expected value; it does not draw an uncertainty band.
If a bank account balance is unknown, a notice above the curve says so: the shape of the curve is right, but its level is off by that amount.