Free tool
Cash gap calculator
Line up the money coming in against the bills going out, with real dates. See exactly how deep your cash gap goes, how many days it lasts and the amount that would carry you through.
Amount that would bridge your gap
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- Lowest balance
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- Below your buffer by
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- Gap starts
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- Days below buffer
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Enter your figures to see your cash gap.
Bridge my gap →General estimate only, based on the figures you enter. It isn't an offer or approval of finance, and it doesn't include the cost of any funding.
How to read your cash gap
Every business has money coming in and money going out. When the two are out of step, the account dips. The calculator walks through every date you enter, keeps a running balance, and shows you three things that matter:
- The lowest point. The smallest balance your account reaches across the dates you've entered.
- The depth of the gap. How far that low point sits below the minimum balance you want to keep. That's the shortfall you'd need to cover.
- The length of the gap. How many days your balance stays below your buffer. A short, sharp gap and a long, slow one need different solutions.
The "amount that would bridge it" is the depth rounded up to the nearest thousand dollars. It's a starting point for a conversation, not a recommendation to borrow that exact sum.
Getting accurate figures in
The result is only as good as the dates. Three tips make a big difference:
- Use realistic payment dates. If a customer on 30-day terms usually pays on day 45, enter day 45. Our guide on finding your cash gap shows how to work out your customers' real habits.
- Include the irregular bills. Quarterly BAS (28 October, 28 February, 28 April and 28 July for quarterly lodgers), annual insurance, registrations and leave payouts are the ones that cause surprises.
- Add super to every payday. Since 1 July 2026, Payday Super means super must reach employees' funds within 7 business days of each payday, so it belongs alongside wages in your list.
What to do with the result
If the calculator shows no gap, great: keep the forecast going weekly so you see the next one early. If it shows a gap, work through the free options first: chase overdue invoices, ask big customers for a firm payment date, move supplier or rent dates out of the crunch week, and ask for deposits on new work. Our pages on slow-paying invoices and bills due at once go into detail.
Whatever's left is a funding question, and the shape of the gap points to the right tool:
| Your gap looks like | Usually suits |
|---|---|
| Short and comes back every month | Business cash line |
| One-off, with a clear end date | Short-term business loan |
| Deep or long, and you own property | Property-backed cash |
| Caused by a tax bill | BAS quarter options |
Not sure which applies? Try the four-question which business cash fits me quiz.
Why we don't show interest rates
Every business is priced on its own situation: the amount, the term, the security, the trading history and the purpose. A rate pulled from a website would be wrong for most people who read it. The calculator focuses on what you can control and measure, which is the size and timing of the gap. A real person can then show you actual options for your business.
Ready to close the gap?
If your numbers show a shortfall the free levers won't fix, tell us about it. The enquiry takes about 60 seconds, there's no credit check when you enquire, and your details aren't fired off to a pile of lenders. A real person who works with business cash every day reads it and calls you. Please enter your figures accurately on the form so we can match you properly the first time.
No credit check to ask
Finding out what's possible won't leave a mark on your credit file. A credit check only comes up if you choose to go ahead.
No spray-and-pray
We don't fire your details at a dozen lenders and let them fight over you. One team, one considered match.
A real person on the phone
Someone who knows business cash reads your enquiry and rings you. Straight answers on the form mean the right option on the first call.
Cash gap calculator FAQs
What is a cash gap?
A cash gap is a stretch of days when the money in your business account falls below the minimum you need to operate comfortably, usually because bills fall due before customer payments arrive. It has a depth (how many dollars short) and a length (how many days).
How does the cash gap calculator work?
It starts with today's balance, adds each amount coming in and subtracts each bill going out on the dates you enter, and tracks the running balance. It then reports the lowest point, how far that is below your buffer, how many days you spend below it, and the rounded amount that would bridge it.
Does the calculator use interest rates?
No. It shows the size and length of your cash gap only. The cost of any funding depends on your business's situation, the amount, the term and any security, and a specialist can talk you through real options.
What dates should I enter for customer payments?
Use the date you realistically expect the money to land, based on how that customer usually pays, not the due date printed on the invoice. That one change makes the result far more accurate.
Is my data saved or sent anywhere?
No. The calculation runs in your browser. Nothing you type into the calculator is stored or sent to us. If you'd like help with the gap, you can choose to start an enquiry separately.
What should I do with the result?
First try free levers such as chasing debtors, moving bill dates and asking for deposits. If a gap remains, a cash line suits short recurring gaps, a short-term loan suits a one-off gap with a clear end, and property-backed cash suits larger, longer gaps.
Found a gap? Let's bridge it.
Tell us the size and the dates. A real person calls you back, there's no credit check to enquire, and we don't spray your details around.
No credit check to ask
No spray-and-pray
A real person on the phone