True:Flow. Cash forecast

You can see in advance when your account may run out of money, and what you can do before that happens. We implement this module for a limited number of our accounting clients.

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Balance forecast with the cash shortfall period marked
Sample data

From warning to draft request

True:Flow is the cash flow planning module in the My True Balance platform: the balance forecast works in the browser, and warnings are sent to your phone. In the example (sample data), the balance forecast of Przykładowa Sp. z o.o. falls below zero in January 2027, the hint shows a cash shortfall period of 11.01–05.02.2027 with a lowest balance of −38,400.00 PLN on 25.01.2027 and three causes, a suggestion to move the due date of an invoice from Tartak Przykładowy by 28 days leads to a draft request, and in the scenario the period lasts 4 days instead of 26, with a lowest balance of −6,150.00 PLN.

Sample data

What you gain

  • Data from the books and your plans

    The balance forecast is based on data from the books kept for you by our firm, and on the income and expenses that you plan.

  • A period marked in advance

    The period in which the balance may fall below zero is clearly marked, and the hint shows its causes and possible actions, for example a draft request to a counterparty to move the due date, to be discussed with a True Balance accountant.

  • A decision made after checking

    Before you make a decision (a purchase, moving a payment), you check its effect in a scenario.

  • Balance is not free money

    The account balance is separated from the money that can really be spent (a reserve for taxes and salaries).

Account balance forecast in the browser for a sample limited company: a chart with the zero line and threshold, the cash shortfall period with the lowest-balance day and a note that payment deadlines need rescheduling, and a scenario with a due date 28 days later
Sample data

Account balance six months ahead

The forecast shows the company account balance in a daily, weekly or monthly view, with a zero axis and a threshold set by the management board. Confirmed items are separated from estimated ones, and each source shows the date as of which the data is current. The credit limit is a separate line, and cash from the till is not mixed with the account balance.

Hint for the cash shortfall period in the balance forecast: 11 January to 5 February 2027, lowest balance PLN −38,400.00, three causes and suggestions to discuss with the accountant
Sample data

Cash shortfall period visible in advance

When the balance in the forecast falls below the threshold, the module marks the cash shortfall period: from when to when it lasts, which day is the lowest-balance day and what its amount is. Next to the period appears the conclusion “Postponing payment due dates required.”, and the hint says whether the shortfall fits within the credit limit.

Suggestions card in the balance forecast: actions ranked by their effect on the lowest balance, such as a later due date with a supplier or the credit limit, each marked for discussion with the accountant
Sample data

Causes and possible actions in one view

The hint shows the three largest groups of items that lead to the shortfall, and suggestions ranked by their impact on the lowest balance, for example moving a supplier's due date or using the credit limit. Each suggestion carries the note “to be discussed with your accountant, not advice”, and the decision is made by the management board.

Draft request to a business partner to move a payment due date, labelled as prepared by the AI assistant, with the proposed date on day 58 after the invoice was delivered
Sample data

A ready draft request to a counterparty

From a suggestion, a draft request to a counterparty to move the payment due date is created, marked with the label “Draft prepared by the AI assistant”. The draft shows the proposed due date and which day after invoice delivery it is, because in commercial transactions the payment term generally may not exceed 60 days from invoice delivery. With the button “Send to accountant for discussion” the draft goes to the thread with our firm, and you send it to the counterparty from your own e-mail.

Informational material, not tax or legal advice; legal status as of 2026-10-06.

What-if scenario next to the base forecast: an invoice due date moved by 28 days shortens the cash shortfall period from 26 to 4 days, lowest balance PLN −6,150.00
Sample data

Effect of a decision checked before the decision

In a “what if” scenario, you move a payment, change income or add an expense and compare the lowest balance and the length of the cash shortfall period with the baseline forecast. The scenario does not change the baseline data.

Cash shortfall warning in the phone app: the period, the lowest balance, a small chart, the cause and the suggestion with the greatest effect
Sample data

A warning on your phone, with no amounts on the lock screen

A new cash shortfall period goes into the daily notification summary, and the notification on the lock screen says only which company it concerns. After opening, the phone shows the period, the lowest balance, the cause and the suggestion with the greatest impact, as well as the button “Send to accountant for discussion”. The forecast is a company tool, and our firm discusses it at your request.

Cash reserves view in the balance forecast: the part of the balance reserved for upcoming payments and the day from which a surplus appears
Sample data

When the money will really be free

The cash reserves view shows over time what part of the balance is a reserve for upcoming payments, and from when a surplus appears. A planned expense can be checked in a simulation: it fits within the surplus or deepens the cash shortfall period. A single amount for today is shown by the Funds module, which is based on the same calculation.

Balance forecast sources: the bank statement, receivables and payables from the accounting firm, and taxes, each with the file date
Sample data

What the forecast is based on

The balance forecast is based on the bank statement that you upload to the platform (MT940, camt.053 or CSV), on settlements provided by our firm, on items added manually or from your phone, and on the total of salaries from payroll. The file date is visible next to each source. The scope of connections is agreed during implementation.

Taxes and contributions group in the balance forecast: a table of estimated items with the annual tax forecast, adjusted by the accounting firm’s accountant
Sample data

Taxes in the forecast are adjusted by our firm's accountant

Taxes and contributions enter the forecast as an estimate, and the accountant who handles your limited company accounting adjusts them once a month after the complete set of documents and in the case of events that change the tax. The management board changes these items only in a scenario.

In limited company accounting, our firm keeps a fixed asset register with part of the price already recognized as costs, so before a machine is sold you can see what part of its price has not yet been a cost. After the sale, the cash flow planning module includes the tax on the profit from the sale and its due date in the account balance forecast.

Informational material, not tax or legal advice; legal status as of 2026-09-27.

Balance forecast items of a sample general partnership: partners’ withdrawals next to their tax advances and the total of the advances
Sample data

General partnership: partners' withdrawals next to their advances

An example other than a limited liability company, for partnerships in which the partners pay tax on profit (here: a general partnership). Our firm keeps the accounts of partnerships and every month shows each partner their share of income and the advance to be paid. The cash flow planning module shows the due dates and amounts of the partners' advances next to what the partners actually withdraw from the company.

A partner's advances are visible only to that partner and our firm's accountant; in the forecast they are outside the company's balance.

Informational material, not tax or legal advice; legal status as of 2026-09-27.

Who True:Flow is for

President or owner

sees in advance when money may run out, and has ready actions to discuss with the accountant.

Accountant at your company

adds planned payments and uploads statements, and the forecast takes them into account immediately.

Partner in a general partnership

sees their tax advances next to withdrawals from the company.

True:Flow in our firm's services

The platform modules are part of True Balance accounting services. We implement this module for a limited number of our accounting clients.

In limited company accounting, every month we show the management board the profit from the books next to the account balance and explain the difference. When the module is active in a company, the forecast adds the balance for the coming months. For partners in partnerships in which the partners pay tax on profit, every month we show their share of income and the tax advance.

Where the difference between profit and account balance comes from is described in the True Balance series.

Works together with

The module requires the My True Balance platform and a bank statement that you upload to the platform. All platform modules

Book a demo or ask about implementation

We implement this module for a limited number of our accounting clients. We run the demo on sample data.

A demo: we show the module on sample data. An implementation call: we discuss setting up the module in your company.

We will contact you to arrange a demo or discuss implementing the selected module. The data controller is True Balance Accounting Sp. z o.o. Details: privacy policy and Terms for True Balance software presentations and trial implementations.