Benefits
Why It Matters
The problem
Does a cash shortage always seem to arrive as a surprise?
Surprises at month end
Rent, salaries, GST and a big supplier payment all fall in the same week. Without a forecast, you find out when the bank balance can't cover them.
Customers pay later than promised
Invoices say 30 days, but some customers pay in 60. Plans based on due dates rather than real behaviour are always too optimistic.
Ratios nobody reads
Debtor days and inventory turnover sound like CA terms. Without someone explaining them, owners miss the early warning they give.
How it works
How forecasting works
1
Your books are the input
Outstanding customer invoices, supplier bills and recurring invoices are already in hisabkitab.
2
Patterns are learned
hisabkitab looks at how quickly each customer has paid in the past, not just the due date on the invoice.
3
Forecast is projected
Expected inflows and outflows are laid out for the next 30, 60 and 90 days, showing where the gaps are.
4
Insights in plain English
Key ratios such as debtor days, creditor days, inventory turnover and margin are tracked with simple recommendations.
Capabilities
What you get
30/60/90-day forecast
Projected inflows and outflows over three horizons, so short-term and quarter-ahead gaps are both visible.
Based on real behaviour
Uses past payment patterns, outstanding bills and recurring invoices, not just invoice due dates.
Debtor days
How long, on average, customers take to pay you. Rising debtor days are an early warning sign.
Creditor days
How long you take to pay suppliers, so you can balance goodwill with your own cash needs.
Inventory turnover and margin
How fast stock converts to sales and how much you keep from each sale, tracked over time.
Plain-English recommendations
Each insight comes with a short explanation and a suggested next step, written for owners, not accountants.
Use cases by industry
Who uses it, and how
FMCG distributor
A distributor sees a gap forming in 45 days when principal payments fall due before retailer collections, and arranges a short-term limit in advance.
Startup
A funded startup tracks the 90-day forecast alongside the audit trail to keep the board updated on runway with figures from the books.
Garment manufacturer
A garment unit notices rising debtor days with two large buyers and tightens credit terms before the festive season production run.
IT services agency
An agency with recurring retainers sees steady inflows in the forecast and plans hiring around the months when collections are strongest.
Before vs after
Before hisabkitab, and after
Finding the shortfall when a cheque bounces
Seeing it 30 to 90 days ahead
Forecasting from invoice due dates
Forecasting from how customers really pay
Ratios only in the annual CA report
Tracked month by month
Numbers without advice
Plain-English recommendations
Cashflow forecasting and financial insights are part of the AI features on Advance (₹6,999/year, exclusive of 18% GST), along with AI bank statement import, purchase bill OCR, GSTR-2B reconciliation and fraud alerts. The standard Cash Flow statement is included on all plans from Launch (₹2,999/year).
Popular with these industries
Versatile Accounting and Billing Software for Every Sector
FAQs
How is the cash forecast calculated?
How is this different from the Cash Flow report?
What are debtor days and creditor days?
Is the forecast guaranteed to be accurate?
Which plan includes forecasting?
How often does the forecast update?
What is inventory turnover?
Can I share the forecast with my bank?
Does the forecast include GST and salaries?
Can I ask Hisabkitab AI about my cash flow?
Plan for cash, don't react to it
Book a demo and see a 90-day forecast built from sample data, then from your own once your books are in. Our team will explain each insight with you.
