Cash Flow Gap Calculator
Model the timing gap between what you pay out and what you collect — for a single job.
Job Parameters
Contract Overview
Number of months you will submit pay apps
Enter any whole number from 0 to 10
From submission date to cash received (45 days = ~Month 3 start)
Months after final billing month
Cost Breakdown — % of Contract Value
Must total 100%. All percentages are of contract value, not revenue.
Paid weekly — work done in Month N, paid in Month N (same month)
Paid one month after delivery (Month N materials paid in Month N+1)
Pay-When-Paid. You withhold retainage from subs matching owner rate.
% of contract
% withheld from subs
Sub retainage released same time as owner retainage
Equipment, misc — paid in same month incurred
Remainder after all costs (auto-calculated)
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Cash Flow Analysis
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Enter your job parameters and click
Calculate Cash Flow Gap to see results.