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Frank's cash flow forecast gives you a day-by-day view of where your business is likely to land, 365 days out. This article explains how the forecast is calculated, what the best- and worst-case projections mean, and how to use the Vendor Payments view to understand your spending.

The forecast shows a range of outcomes for each day over the next 12 months. Rather than a single line, you'll see a band, best case and worst case, so you can see how much variability exists in your cash position on any given day.

For most growing businesses, you want to see the trend moving up and to the right. A business with steady income and predictable expenses will have a narrower band; one with more variable income will show a wider range of outcomes.

You can click on any future date to see the projected cash position for that day. For example, if Stripe typically settles on Mondays, click any Monday to see what the projected balance looks like after that settlement.

Frank uses different inputs depending on how your business operates:

Invoices and bills: If you use an accounting platform like QuickBooks or Xero, Frank factors in your outstanding invoices (money coming in) and unpaid bills (money going out).

Cash history: For businesses that operate primarily on cash rather than invoices, Frank looks back at your transaction history, identifies month-to-month trends, and projects those patterns forward.

Payment processor settlements: If you've connected Stripe, Square, PayPal, or other payment processors, Frank factors in the timing and amounts of those settlements.

Subscriptions and recurring payments: Frank is actively improving its handling of subscription-based businesses. If you have recurring income or outgoings with fixed amounts and defined cancellation dates, these will be incorporated more precisely rather than projected from history alone.

Frank continuously scans your connected bank feeds for patterns, what you're spending on, who you're receiving payments from, and how regularly. These show up in the Vendor Payments section.

Select any vendor or customer to drill down and see the last 30 days of activity with that provider. This is useful for spotting trends, for example, noticing that spend on a particular vendor has been creeping up month to month.

Select View All Vendor Payments to see your full spending picture in one place. Business owners often use this view to identify services they're still paying for but no longer need, for example, three tools doing the same job, or software the team has stopped using. Sharing this screen with your team makes it easy to flag redundant spend and cut costs immediately.

You can categorize and reconcile transactions directly from the Vendor Payments view. If Frank has categorized a transaction incorrectly, for example, filing a property insurance payment under the wrong category, change it here without navigating away.

The cash flow forecast gives you a 365-day view of your best- and worst-case cash positions, calculated from your invoices, bills, cash history, and payment processor data. Use the Vendor Payments section to understand your spending patterns, spot cost-cutting opportunities, and keep your categories accurate, all from the same page.