14.2months of runway at today's spend
Runway, measured daily
Recalculated every morning from real balances and every scheduled bill.
Know how long your cash will last.
Tarn connects your bank accounts, invoices and payroll, then forecasts your cash week by week, eighteen months out.
No card needed. Read-only bank access.
OverviewForecastScenariosBillsReports
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Clayhaus CeramicsMara Lindqvist
Clayhaus CeramicsMara LindqvistGood morning, Mara
Payroll clears on Friday. You stay above your $150k floor all quarter.
Cash todayAll accounts
$412,380.40
+4.2% since September
- OperatingBrightwater Bank ·· 4410$268,410.22
- PayrollBrightwater Bank ·· 0932$81,200.00
- Tax reserveHarbor Savings ·· 1187$52,770.18
- USDMeridian FX ·· 7720$10,000.00
Last 4 weeks+$16,940
Cash balance · actual and forecast13 weeks18 months
ActualForecastLikely range
Runway
14.2 months
Cash lasts until Dec 2027 at the current spend
Coming upSee all bills
- Oct 31Payroll, 14 people−38,200.00
- Nov 1Studio rent−6,450.00
- Nov 4Invoice 1042 · Northfield Hotels+12,400.00
- Nov 8Sales tax payment−9,880.00
Forecasting cash for studios, roasteries, practices and workshops
- Clayhaus
- NORTHFIELD
- ostra coffee
- Pike & Lane
- fernwood
- Halvard Joinery
Tarn 
reads every account, invoice and payroll run, and turns them into one honest forecast 
, so you see a tight month coming while there is still time to act 
.
- Forecast horizon
- 18 months
- Bank sync, read-only
- Daily
- Typical setup
- 25 minutes
Every number your cash depends on.
Balances, invoices, bills and payroll in one forecast that updates itself every morning.
6weeks below your floor this winter, each one flagged months ahead
OctNovDecJanFebMar
Tight weeks, months ahead
Every week's closing balance, with the ones under your floor showing early.
$412k4 accounts
Operating 65% · Payroll 20% · Tax 13% · EUR 2%
Every account, one balance
Banks, cards and currencies in the number you really have.
Next payroll · Fri, Oct 31
−$38,200
Covered by the payroll account · 14 people
Bills and payroll, on the map
Scheduled bills, payroll and open invoices pulled in from your tools.
EmailSlackTextAlert me under $150k
Northfield paid invoice 1042
2h+$12,400 · arrived 3 days early
Sales tax due Nov 8
1d−$9,880 · tax reserve covers it
Heads up for week 19
nowCash dips to $138,600. Move the kiln deposit to week 21 and you stay clear.
Try itWarnings before it's tight
Tarn tells you weeks early, with a fix you can test in one click.
Test a decision before you make it.
Switch a scenario on and watch the runway move. Nothing changes in your books until you say so.
Runway at current spend
14.2months
With scenariosCurrent planBelow $150k floor
Set up in an afternoon.
Connect, tidy, forecast. Most teams have their first eighteen-month view before the end of the day.
- Brightwater BankBusiness checking ·· 4410
Read-only. Tarn can never move money.
Importing 12 months · 84%01Connect your banks and books
Read-only links to your banks, ledger and payroll.
About 10 minutes 214 payments to Kiln Supply Co
Categorise asEquipmentAccept ruleEdit3 more to review02Tidy the categories
Tarn suggests rules from your history. Accept them, or edit a few.
About 15 minutesYour forecast is ready
$412,380 today→ $296,100 in April
03Read your forecast
Eighteen months of weekly balances, with the tight weeks marked.
Ready the same day
Works with the tools you already use.
Bank feeds from over 11,000 banks and credit unions, plus your ledger, payroll, billing and the odd spreadsheet.
- Banks
- Ledgers
- Payroll
- Billing
- Spreadsheets
Brightwater
LedgerlyPayfold
HarborNorthwind PayrollInvoicely
Meridian FXSheetwiseTallyhubCedar Bank
“We used to find out about a tight month when it arrived. Now we see it in spring, and we move the kiln order instead of calling the bank.”
- 6 weeks
- earlier warning on a cash dip
- $40k
- credit line we never had to draw
Priced per business, not per person.
Every plan starts with a 14-day trial. No card needed.
Starter
For owners who want a clear weekly picture.
$39/ month
Start a trial- 1 business, up to 3 bank accounts
- 13-week forecast
- Weekly cash email
- Read-only bank sync, daily
Most teams of 5 to 50 choose this
Growth
For teams who plan hires, stock and big purchases.
$99/ month
Start a trial- 1 business, unlimited accounts
- 18-month forecast
- Unlimited scenarios
- Bills and payroll sync
- Runway alerts by email and Slack
- 3 team seats
Group
For owners and advisers running several entities.
$249/ month
Talk to us- Up to 5 businesses, consolidated
- Multi-currency accounts
- Adviser and bookkeeper access
- Board-ready cash reports
- Priority support, named contact
Questions owners ask us.
Still deciding? Talk to someone who has run the numbers for a small business before.
Book a 20-minute walkthrough
Tarn connects through a regulated bank-data provider with read-only access. We never see or store your bank login, and Tarn cannot move money. Data is encrypted in transit and at rest, and you can disconnect any account in one click.
It starts from your real balances and the bills, invoices and payroll already scheduled, then learns your regular income and spending from the last twelve months. Most teams see weekly balances land within a few percent once a month of actuals has been matched.
Tarn reads from the major cloud ledgers, payroll and billing tools, and over 11,000 banks and credit unions. If you keep part of the picture in a spreadsheet, you can import it or link a sheet that updates on its own.
Yes. Invite them as an adviser at no extra cost on Growth and Group. Advisers can manage several clients from one login and leave notes on any week of the forecast.
Nothing is charged automatically. You choose a plan if Tarn is useful, or the account closes and your data is deleted after 30 days.
Group plans hold accounts in any currency and convert at daily rates, so you see one consolidated balance alongside each account in its own currency.