All your cash, in one forecast.
Tarn reads your banks, ledger and payroll every morning, then lays out the next eighteen months week by week, so the tight weeks show up while you can still move them.
Every account, week by week.
Opening balance, money in, money out and the closing balance for every week, built from real balances and everything already scheduled.
- 18 moWeekly for 13 weeks, then monthly out to eighteen months.
- DailyBalances refresh each morning. Matched actuals replace the forecast.
- ±$1.8kA likely range on every week, narrowing as the month plays out.
| Line | This weekActual | Wk of Oct 19Forecast | Wk of Oct 26Forecast | Wk of Nov 2Forecast | Wk of Nov 9Forecast | Wk of Nov 16Forecast | Wk of Nov 23Forecast | Wk of Nov 30Forecast | Wk of Dec 7Forecast |
|---|---|---|---|---|---|---|---|---|---|
| Opening balance | 412,380 | 390,480 | 400,660 | 380,410 | 381,230 | 355,030 | 340,430 | 312,430 | 325,880 |
| Customer receipts | +14,200 | +9,800 | +21,400 | +12,400 | +8,600 | +11,200 | +7,400 | +19,800 | +6,200 |
| Card settlements | +5,200 | +5,200 | +5,200 | +5,200 | +5,200 | +5,200 | +5,200 | +5,200 | +5,200 |
| Payroll | −38,200 | · | −38,200 | · | −38,200 | · | −38,200 | · | −38,200 |
| Rent and studio | · | · | −6,450 | · | · | · | · | −6,450 | · |
| Suppliers | −3,100 | −4,820 | −2,200 | −6,900 | −1,800 | −31,000 | −2,400 | −5,100 | −2,600 |
| Tax | · | · | · | −9,880 | · | · | · | · | · |
| Net change | −21,900 | +10,180 | −20,250 | +820 | −26,200 | −14,600 | −28,000 | +13,450 | −29,400 |
| Closing balance | 390,480 | 400,660 | 380,410 | 381,230 | 355,030 | 340,430 | 312,430 | 325,880 | 296,480 |
Test a hire or a lost client first.
Lay a decision over the current plan and compare runway, the lowest balance and the month you would cross your floor. Your books stay untouched.
- Side by sideCompare up to four scenarios on one chart.
- Plain inputsA start month and an amount. Tarn works out the rest.
- ShareableSend a read-only link to your partner or bookkeeper.
Know what leaves, and when.
Bills from your ledger, payroll runs and tax estimates land on one calendar, each on the day the money actually goes.
- PayrollEvery run, with taxes and benefits, from your payroll tool.
- BillsApproved and scheduled bills, plus the ones you pay every month.
- TaxSales and payroll tax estimated from your own history.
- Nov 1Studio rentAshgrove Properties−6,450Scheduled
- Nov 6Kiln Supply CoBill 2207 · glazes and cones−4,820Approved
- Nov 9Sales tax, Q3State Department of Revenue−9,880Estimated
- Nov 13Payroll14 people−38,200Scheduled
- Nov 16Northern Kiln CoDeposit on the new kiln−31,000Approved
- Nov 20Laguna ClayClay and raw materials−3,640Recurring
- Nov 24Business insuranceMonthly premium−1,980Recurring
- Nov 27Payroll14 people−38,200Scheduled
- Nov 30Card statementBrightwater card ·· 2281−7,410Estimated
Payroll account covers both runs. Operating stays above $340k all month.
Banks, ledgers, payroll, billing.
Read-only links to over 11,000 banks and credit unions, the main cloud ledgers and payroll tools, and the spreadsheet you still keep.
- BrightwaterBusiness banking
- HarborSavings and checking
- Cedar BankCommunity bank
- Meridian FXMulti-currency accounts
- CoinlakeCredit union
- LedgerlyCloud accounting
- TallyhubBookkeeping
- FieldbookJob costing ledger
- OstromAccounting suite
- Northwind PayrollPayroll and benefits
- PayfoldContractor payments
- InvoicelyInvoicing
- StripelineCard payments
- SheetwiseLinked spreadsheets
Plus any bank Tarn reaches through its data provider, and CSV import for everything else.
- BrightwaterOperating ·· 4410, Payroll ·· 09326:02 am
- HarborTax reserve ·· 11876:02 am
- Meridian FXEUR account ·· 77206:03 am
- LedgerlyCloud accounting6:05 am
- Northwind PayrollPayroll and benefits6:05 am
- InvoicelyInvoicing6:06 am
- Cedar BankBusiness · Read-only
- Cedar Valley Credit UnionRead-only
“The forecast used to live in my head and a spreadsheet nobody else could read. Now my project leads check Tarn before they agree a payment schedule.”
- 3
- payment schedules renegotiated
- 0
- missed payroll runs since joining
Your forecast, ready by Friday.
Connect one bank account and your ledger. Most teams have their eighteen months mapped the same afternoon.