How the cash forecast works

January to August are actual, read from every line in the Checking account and classified by its split account (collections, job costs, overhead, the line of credit). September to December are forecast: each job's remaining billing and cost to complete are spread over its remaining months (override any month in the tables below), owners pay a month later less retainage, retainage comes back two months after completion, and August's A/R and A/P settle over September and October. The line of credit draws to keep cash above the minimum and repays above the target.