# A 30-day payment calendar

The blank CSV has headers only. The filled example is made-up, for October 1–30, 2026, USD. Beginning cash is $200 immediately before October 1. The opening balance is supplied separately in `cash-calendar-scope-example.json`; it is not a receipt.

1. Use one row for each expected payment coming in or going out. Give it a different ID and enter the date, amount above zero, currency, type, whether it is confirmed and where the information came from. Use the date the money will be available or the payment is due, not the date the invoice was written.
2. Receipt types: `sale_receipt`, `receivable_receipt`, `loan_received`, `owner_investment`, `other_receipt`. Payment types: `inventory_purchase`, `payroll`, `rent`, `tax`, `loan_payment`, `owner_withdrawal`, `other_payment`.
3. Mark certainty as `confirmed` or `uncertain`. Leave unconfirmed money coming in out of the amount available to pay bills. Show it in a separate version of the plan. Keep every planned outgoing payment in the first plan, even if its estimated amount still needs checking.
4. `internal_transfer` represents movement between the business's own included accounts. It has zero effect on the business total. Do not add it once as revenue and again as an expense. Both accounts must already be included in the money available at the start. If they are not, check which accounts the plan covers before entering the transfer.
5. Do not add depreciation: this spreads equipment cost over its use and is not a payment. A loan receipt increases cash but does not establish profit. For this cash plan, include the full loan payment: both repayment of the amount borrowed and interest. Show them separately when working out profit.
6. Sort by date and calculate closing cash each day: previous balance + included receipts − planned payments. Check the minimum balance, not just the final balance. A total for the day does not show whether the money will arrive before the bank’s payment deadline.
7. Test a late receipt by copying the scenario and changing its date. Changing a date in the plan does not let you miss the real due date. Agree a new date with the person or business you owe before paying later.
8. Save locally if useful. The site does not import this CSV automatically. You can enter its values into the free calculator manually; the matching JSON data file shows the same entries in a format used by software. Do not send real finances to a public chat.

Example: $300 rent on October 5 produces a $100 gap. A confirmed $200 receipt on October 10 leaves $100 at month end. Another possible $150 sale on October 18 is excluded from confirmed cash. If the confirmed receipt moves to October 4, the gap becomes zero; this is a scenario, not a promise that the customer pays early. If it moves to October 15, the gap remains $100 but lasts longer.

Blank amounts are unknown. Enter zero only when it is a verified zero. This calendar checks when money comes in and goes out. It does not work out final business profit or give permission to borrow or take money out.

## What the spreadsheet columns mean

Keep the column headings unchanged so the files still work with the calculations. Their meanings are below. CSV means a simple spreadsheet file.

| Column | Meaning |
|---|---|
| `id` | A different reference for each entry, rule, or item-and-cost row. |
| `date` | Date money is due to come in or go out. |
| `type` | What the entry records; use one of the listed codes. |
| `amount` | Amount of money in the stated currency. |
| `currency` | Currency code: USD means US dollars; KZT means Kazakhstani tenge. |
| `certainty` | Whether the expected payment is confirmed or still uncertain. |
| `description` | A short note about this payment. |
| `source_id` | Reference to the receipt, invoice or other record supporting this row. |
| `confirmed_receipts` | Confirmed money coming in that day. |
| `payments` | Money planned to go out that day. |
| `closing_cash` | Money left at the end of the day. |
| `uncertain_receipts_excluded` | Possible incoming money left out because it is not confirmed. |
| `data_origin` | Where the data came from; “synthetic” means made up for an example. |

## Payment codes

`receipt` means money coming in. Use `sale_receipt` for money from a sale, `receivable_receipt` for payment of an earlier sale, `loan_received` for a loan, `owner_investment` for money the owner puts in, and `other_receipt` for other incoming money.

Use `inventory_purchase` for stock bought, `payroll` for staff pay, `rent` for rent, `tax` for tax paid, `loan_payment` for repayment plus interest, `owner_withdrawal` for money the owner takes out, and `other_payment` for other money going out. `internal_transfer` moves money between business accounts already included in this plan. `confirmed` means agreed or scheduled, not guaranteed to arrive; `uncertain` means still only possible.