Cash planning / Planning workspace
Cash-flow Stress Test
Test a customer delay and see where the conditional cash outlook changes.
Hypothetical changes remain separate from saved facts
On this page 5
Hypothetical scenario — deterministic calculation
Shift one invoice's expected collection date. Recorded evidence, actual cash, payment dates and approvals stay unchanged. This is not a payment prediction.
Choose a hypothetical delay
Filter & selectionSelections change this view.
Scenario assumptions
Selected invoice and remaining amountinv-client-001 — USD 8,000.00
Recorded expected date2026-10-20
Assumed expected date (+7 days)2026-10-27
Evidence: ev-client-invoice. As of 2026-10-16; forecast through 2026-11-14. Amounts and observed receipts are unchanged.
USD — baseline vs scenario
Cash floor: USD 3,000.00. Currencies remain separate; display-only FX funds no obligation.
Scenario minimumUSD -500.00
Scenario first breach2026-10-25
Scenario shortfall vs floorUSD 3,500.00
| Measure | Recorded terms forecast | Hypothetical delay |
|---|---|---|
| Minimum projected balance | USD 6,000.00 | USD -500.00 |
| First floor-breach date | — | 2026-10-25 |
| Worst shortfall vs floor | USD 0.00 | USD 3,500.00 |
| Closing projected balance | USD 6,000.00 | USD 6,000.00 |
Original row order · currencies and totals remain as recorded.
Recorded terms forecast
Hypothetical delay forecast
Daily scenario data — USD
| Date | Opening | Inflow | Outflow | Intraday low | Closing | Floor breached |
|---|---|---|---|---|---|---|
| 2026-10-16 | USD 10,000.00 | USD 0.00 | USD 0.00 | USD 10,000.00 | USD 10,000.00 | no |
| 2026-10-17 | USD 10,000.00 | USD 0.00 | USD 0.00 | USD 10,000.00 | USD 10,000.00 | no |
| 2026-10-18 | USD 10,000.00 | USD 0.00 | USD 0.00 | USD 10,000.00 | USD 10,000.00 | no |
| 2026-10-19 | USD 10,000.00 | USD 0.00 | USD 0.00 | USD 10,000.00 | USD 10,000.00 | no |
| 2026-10-20 | USD 10,000.00 | USD 0.00 | USD 0.00 | USD 10,000.00 | USD 10,000.00 | no |
| 2026-10-21 | USD 10,000.00 | USD 0.00 | USD 0.00 | USD 10,000.00 | USD 10,000.00 | no |
| 2026-10-22 | USD 10,000.00 | USD 0.00 | USD 0.00 | USD 10,000.00 | USD 10,000.00 | no |
| 2026-10-23 | USD 10,000.00 | USD 0.00 | USD 6,000.00 | USD 4,000.00 | USD 4,000.00 | no |
| 2026-10-24 | USD 4,000.00 | USD 0.00 | USD 0.00 | USD 4,000.00 | USD 4,000.00 | no |
| 2026-10-25 | USD 4,000.00 | USD 0.00 | USD 4,500.00 | USD -500.00 | USD -500.00 | yes |
| 2026-10-26 | USD -500.00 | USD 0.00 | USD 0.00 | USD -500.00 | USD -500.00 | yes |
| 2026-10-27 | USD -500.00 | USD 8,000.00 | USD 0.00 | USD -500.00 | USD 7,500.00 | yes |
| 2026-10-28 | USD 7,500.00 | USD 0.00 | USD 1,500.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-10-29 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-10-30 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-10-31 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-01 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-02 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-03 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-04 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-05 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-06 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-07 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-08 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-09 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-10 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-11 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-12 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-13 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
| 2026-11-14 | USD 6,000.00 | USD 0.00 | USD 0.00 | USD 6,000.00 | USD 6,000.00 | no |
Original row order · currencies and totals remain as recorded.
EUR — baseline vs scenario
Cash floor: EUR 500.00. Currencies remain separate; display-only FX funds no obligation.
Scenario minimumEUR 1,000.00
Scenario first breach—
Scenario shortfall vs floorEUR 0.00
| Measure | Recorded terms forecast | Hypothetical delay |
|---|---|---|
| Minimum projected balance | EUR 1,000.00 | EUR 1,000.00 |
| First floor-breach date | — | — |
| Worst shortfall vs floor | EUR 0.00 | EUR 0.00 |
| Closing projected balance | EUR 1,000.00 | EUR 1,000.00 |
Original row order · currencies and totals remain as recorded.
Recorded terms forecast
Hypothetical delay forecast
Daily scenario data — EUR
| Date | Opening | Inflow | Outflow | Intraday low | Closing | Floor breached |
|---|---|---|---|---|---|---|
| 2026-10-16 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-17 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-18 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-19 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-20 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-21 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-22 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-23 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-24 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-25 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-26 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-27 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-28 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-29 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-30 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-10-31 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-01 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-02 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-03 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-04 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-05 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-06 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-07 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-08 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-09 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-10 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-11 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-12 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-13 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
| 2026-11-14 | EUR 1,000.00 | EUR 0.00 | EUR 0.00 | EUR 1,000.00 | EUR 1,000.00 | no |
Original row order · currencies and totals remain as recorded.
Assumptions and missing facts
- Intraday ordering unknown: outflows are applied before inflows on the same day (conservative). End-of-day balances are unaffected.
These results use one selected delay. Other invoices retain their recorded dates. Protected outflows are never rescheduled by this test.
Compare response plans under the recorded ledger (the stress scenario is not applied to those plans).