The gap
Freelancers and small studios are paid late and unevenly, so a good month on paper can still end with an empty account, and a bank balance says nothing about the quiet quarter ahead.
Business spreadsheets
Cashkeel
See how long your cash lasts: a 24-month cash-flow and runway planner for freelancers and small studios, with four scenarios side by side and the month you would drop below your buffer.
- Microsoft Excel
- LibreOffice Calc
- Google Sheets
- Coming soon
Coming soon
Not published on its store yet, so there is no buy or download link. PN Scripts does not take payment for it here.
What it solves
What it is
One workbook models retainers with payment delays, a weighted pipeline and costs by category over 24 months, in four scenarios at once, and shows runway, the lowest point and the first month below your buffer.
How you use it
Know months in advance when cash gets tight and what a lost client, a slow payer or a new hire would do to it.
For freelancers and studios with a few people who want to see their next two years of cash without accounting software or a finance hire.
Who it is for
Use it when
- A freelancer checking whether she can afford three months between contracts
- A small studio deciding if a new hire from month six is safe
- An agency owner preparing for a client that pays 60 days late
Built for
- Freelancers and independent professionals
- Small studios and agencies with up to about ten people
What is inside
Income the way it really arrives
Retainers have a first and last month and a payment delay, so a client on 30-day terms lands a month later. Pipeline projects count at their probability in the month they are paid, and signed work counts in full.
Costs with structure
Up to 150 cost lines in seven categories, monthly, quarterly, yearly or once, with a first and last payment. Mark rent or loan payments as fixed and scenario cost changes leave them alone. Owner pay and a tax set-aside are separate lines.
Four scenarios at once
Base, Best, Worst and Custom each change income, pipeline wins, payment delays, costs and your pay, and can add a one-off bill or a new monthly cost. All four are calculated together and compared in one table and one chart.
The numbers that matter
The dashboard shows cash today, runway, the lowest balance and its month, the month cash runs out and the first month below your buffer, plus totals and two charts. The Actuals sheet tracks reality against the plan.
Gallery
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Specs
- Availability
- Coming soon
- Vendor
- PN Scripts
- Type
- Template
- Pricing
- One-time purchase Price to be announced.
- License
- Commercial license
- Deployment
- Download (ZIP with .xlsx and .ods files, English and Bulgarian)
- Maturity
- v1.0.0
Compatibility
| Platform or runtime | Supported versions | Tested up to |
|---|---|---|
| LibreOffice | 24.2 or newer | 24.2.7 |
Stack
- Microsoft Excel
- LibreOffice Calc
- Google Sheets
Cashkeel is coming soon
It is finished and tested. It is not on sale yet; this page will say where to get it when it is.
Coming soon
Not published on its store yet, so there is no buy or download link. PN Scripts does not take payment for it here.
Questions
A 24-month cash-flow and runway planner workbook for freelancers and small studios, with four scenarios, a weighted pipeline and a dashboard, in English and Bulgarian.
Microsoft Excel 2010 or newer, LibreOffice Calc, or Google Sheets through its import of the .xlsx file. It was tested in LibreOffice 24.2; Excel and Google Sheets were not opened.
Bookkeeping, invoicing, VAT returns, tax calculations, bank connections and multi-currency. The tax line is a simple reserve. It is a planning tool, not financial or tax advice.
PN Scripts generated the workbook with Python and tested it by recalculating 28 workbooks with random businesses in LibreOffice and comparing every month of every scenario with an independent model. Created with AI assistance; the formulas and dashboard figures were checked by PN Scripts with automated LibreOffice tests.
It is not on sale yet. When it is, this page will link to the store; PN Scripts does not take payment on this site.
