This calculator models the cash flow timing on a single construction job. Enter your contract details and cost breakdown to see when your cash position goes negative and how deep the gap gets.
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
Applied to the full invoice amount — enter any whole number from 0 to 10
From submission date to cash received. Minimum 30 days — same-month collection is not modeled since at least one billing cycle occurs between submission and payment.
Months after final billing month
Cost Breakdown — % of Contract Value
All cost percentages plus gross profit must total 100%.
Paid weekly — work done in Month N, paid in Month N
Paid one month after delivery
Pay-When-Paid. Retainage withheld from subs:
% of contract
% withheld from subs
Sub retainage released same time as owner retainage
Equipment, misc — paid 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.