DrDigits

The $600 CFO

Cash-flow forecasting for small businesses.

A client won a $1.8M government contract with $5,775 in the bank. I run his cash for $600 a month — an 18-month forecast, rebuilt every two weeks. This is the working model, free and anonymized.

✅ YOU'RE IN — THE MODEL IS ON ITS WAY
Open the model →
Free · no card · the real model, anonymized
Watch the series →
$1.8M
contract won
$5,775
cash that day
$600/mo
finance dept
The 18-month plan, in one chart

Every dollar above a $15K floor repays creditors first. Debt clears in April. Then cash compounds.

0 100K 200K DEBT-FREE OWED · $201K $15K FLOOR CASH · $260K SEP '26 APR '27 FEB '28
Cash on hand Owed to creditors
What lands in your inbox
18-month forecast
One assumptions tab you type on. Everything else is formulas.
Creditor paydown
Who gets repaid, in what order, and the month each clears.
Minimum-cash floor
A hard floor, so you never plan to land on zero.
Forecast vs. actual
Every month scored against what actually hit the bank.

Prefer it run for you? I close the books, update the assumptions, rerun the forecast, and send a short note on what changed — every cycle. $600 a month, all-in.

Book a free 30-min call →

1 · Real, anonymized client engagement. Figures as of the August close — not a guarantee of anyone's results. Not financial, legal, or tax advice.