Cashflow Planner (Payout Delay)
Plan your cashflow (simplified) across 30 days: monthly revenue, contribution, payout delay, payment terms, ad spend and reinvest — incl. cash gap (days/€) and a signal.
Note: results are not made indexable via URL parameters. Canonical: https://tools.snapsoft.de/en/tools/cashflow-payout
Who is this for?
- E-commerce ops/finance teams that want to see working-capital risk from payout delay vs payment terms
- Teams running growth (reinvest) + ads and needing a cash guardrail
- Sellers who need stable contribution to reduce cash risk via repricing guardrails
Make cash gaps visible — before growth squeezes your cash
Payout delays shift cash inflows into the future — while COGS, ads and reinvest often have to be paid earlier. The result is a cash gap (working capital requirement).
This tool is intentionally simplified (30 days, constant daily values) and shows cash gap days/€ plus a signal. Everything runs locally in your browser — no login.
Calculator
Max 6 inputs, clear outputs. Everything runs locally in your browser.
Inputs
Advanced options
Result
How it works
We spread monthly values evenly across 30 days (simplified daily run-rate).
Cash-in: daily revenue is paid out after (delay) days.
Cash-out: COGS = revenue × (1 − contribution%) due after payment terms; ad spend is modeled daily as monthly/30; reinvest (optional) as % of revenue.
Cash gap € is the maximum deficit of the cumulative cash position over the 30‑day window; cash gap days count days where cumulative cash < 0.
Quick conclusion
- Cash gaps come from timing (payout delay vs payment terms) + size of cost blocks (COGS, ads, reinvest).
- If the signal is red: fix cash mechanics (terms/delay) and stabilize contribution — then scale.
- Next step: turn contribution guardrails into price-floor/repricing rules.
Sources & notes
Disclaimer: assumptions, fees and policies can vary and change. Always verify critical values in official sources (marketplace, supplier, payment provider).
FAQ
Is this a full cashflow model?
No. It’s a simplified guardrail (30 days, constant daily values). Fixed costs, taxes, returns, detailed fees and real purchase/lead-time cycles are not modeled.
What does “cash gap €” mean?
It’s the maximum negative dip of your cumulative cash position in the 30‑day window — simplified: how much cash you need to bridge the delay without going negative.
Why does contribution matter for cash risk?
Lower contribution means a higher COGS share. With payout delays you have to pre-finance more capital. Repricing guardrails (price floors) help stabilize contribution.
How do I use € contribution per order?
For robust results, use contribution % (relative to revenue). If you have € per order, a rough conversion is: contrib% ≈ (€/order ÷ avg order value) × 100.
Do you store inputs?
No. Everything runs locally in your browser.
Turn it into a repricing rule in SnapTrade
Cash risk is often a pricing problem: if contribution is volatile, the cash gap becomes dangerous quickly. Price floors + repricing stabilize contribution and reduce cash risk — as repeatable guardrails in your system.