Construction Cash Flow Gap Calculator

Cash Flow Timing Gap Calculator

Enter project assumptions

Use a preset to start, then adjust the assumptions for your project.

Scenario preset

Use your own project assumptions.

Step 1: Project Billing

Total project value$ Project durationmo Standard payment terms after approvaldays

Step 2: Project Costs

Materials% Labor% Other project costs%

Step 3: Advanced Options

Materials purchased before project startdays Retainage released after final paymentdays Estimated Early Pay timing after approvaldays Estimated advance percentage%

Liquidity reserve needed $0

Peak with Early Pay $0

Cash burden reduced by $0

Cash conversion stress 0 days

Cash flow visual

How much does Early Pay improve project cash position?

$0 lower peak requirement

How to read this: negative cash position means modeled cash outflows exceed collected cash inflows. The deepest negative point is the liquidity reserve needed to float the job.

Modeled cash position impact $0 → $0

Peak reduction 0% Cash-negative days 0 fewer

Project economics snapshot

Estimated project costs: $0
Modeled fees: $0
Estimated remaining margin: $0

What this means for project cash position

Payment terms sensitivity

Stress-test how the modeled liquidity gap changes as standard payment terms extend.

Terms	Standard peak gap	Early Pay peak gap	Reduction	Days saved

This calculator is a directional project liquidity stress test for educational purposes only.

Cash Flow Gap Calculator