The Forecast screen shows where your cash flow is heading over the next 30, 60, and 90 days based on your current financial data. This is different from the Cash Flow Health score on your home screen, which tells you your position right now. The Forecast screen tells you where you are going.
The three forecast gauges
At the top of the Forecast screen you will see three gauges, one for each time horizon: 30 days, 60 days, and 90 days. Each gauge shows a projected Cash Flow Health score for that period, calculated from your current trajectory.
Reading these three numbers together gives you the shape of your near-term cash flow. A business with a low 30-day score but a rising 60 and 90-day score is in a short-term squeeze with recovery on the horizon. A business with a high 30-day score but declining 60 and 90-day scores has comfort today but a growing problem building up. Both situations call for different responses.
Note The forecast scores are projections, not guarantees. They are based on invoices already raised, bills already entered, and your historical expense run rate. They cannot account for revenue you expect but have not yet invoiced, or expenses you know are coming but have not entered in your accounting software. The more up to date your accounting data is, the more reliable the forecast. |
The forecast chart
Below the three gauges, a bar chart shows your projected Income, Expenses, and Profit and Loss at each of the three time horizons. This lets you see not just the health score but the actual dollar volumes driving it.
If your projected expenses significantly exceed projected income in the 60-day bar, you have a cash gap to close before it arrives. This is information you can act on now, while you still have time.
Noya Says and Quick Actions
The right side of the Forecast screen shows the Noya Says panel with analysis of your projected position. This updates each time your data syncs and is specific to the forecast data, not a repeat of the Cash Flow Health analysis.
Quick Actions below the panel shows five questions tailored to your current forecast situation. These are designed to help you investigate the most relevant risks or opportunities in your 90-day outlook.
How the forecast is built
Finoya builds the forecast from three sources:
• Your current bank balance: the starting point.
• Your outstanding invoices: projected income based on what customers owe you and when those invoices are due.
• Your expense run rate: projected outgoings based on your historical expense patterns and upcoming bills recorded in your accounting software.
The most important thing you can do to improve forecast accuracy is keep your accounting software up to date. Invoices raised promptly, bills entered when received, and bank transactions reconciled regularly all make the forecast meaningfully more reliable.