MyBreakEven | Original fictional USD example | 3 November 2026
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| Scenario / action | Opening cash | Receipts / improvement | Payments | Closing cash |
|---|---|---|---|---|
| Base | 18000 | 8000 | 20000 | 6000 |
| Customer delay | 18000 | 2000 | 20000 | 0 |
| Delay plus repair | 18000 | 2000 | 22500 | -2500 |
| Actions combined | -2500 | 7500 | 0 | 5000 |
Business / period / source records / assumptions / reviewer / decision / review date
| Scenario / action | Opening cash | Receipts / improvement | Payments | Closing cash |
|---|---|---|---|---|
| Base | Enter here | Enter here | Enter here | Enter here |
| Customer delay | Enter here | Enter here | Enter here | Enter here |
| Delay plus repair | Enter here | Enter here | Enter here | Enter here |
| Actions combined | Enter here | Enter here | Enter here | Enter here |
Choose a planning horizon that captures your payment commitments. List opening usable cash, expected receipts and committed payments by week or date. Separate restricted balances, unapproved borrowing and expected insurance recoveries from cash available to pay bills. Identify which receipts depend on customer acceptance, processing delays or unresolved disputes.
For each risk, record the event, a measurable trigger, the owner, the response deadline, the action’s cash effect and the dependency that could prevent it. A reserve target should follow the business’s downside timing and tolerance, not an unexplained percentage copied from another company.
| Case | Opening usable cash | Receipts | Payments | Closing cash |
|---|---|---|---|---|
| Base | $18,000 | $8,000 | $20,000 | $6,000 |
| Customer delay | $18,000 | $2,000 | $20,000 | $0 |
| Delay plus repair | $18,000 | $2,000 | $22,500 | −$2,500 |
Use a chosen $5,000 minimum cash floor for this case. The base case stays $1,000 above it. The customer-delay case needs $5,000 of timely improvement to restore the floor, and the combined downside needs $7,500. These are aggregate four-week checks; a payroll payment before the week-four receipt may create an earlier, larger need. The dated worksheet must test that ordering.