The Finance Algorithm
§ Tool · tier 2 · independent

Cash Flow Stress Tester.

Simulate cash flow issues under payment delays or increased expenses for Australian businesses.

Live dataFree, no signupOn-deviceLiveupd May 2026
Inputs
Your numbers
$
$50k
$
$45k
3

How many months payments are delayed

%
10%

Percent increase in expenses during cash flow stress period

12

How many months to simulate

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

Understand how payment delays and rising expenses affect your business cash flow and ability to cover costs with this stress testing tool.

§ Worked examples

Real-world scenarios

Seasonal Business

A retail business faces a 3-month slow season with delayed customer payments and increased supply costs.

Inputs

monthlyRevenue:60,000monthlyExpenses:55,000paymentDelayMonths:3expenseIncreasePercentage:15simulateMonths:15

The business needs to prepare for short-term cash crunch and negotiate supplier terms.

§ Glossary

Plain-English definitions

Cash Flow
The net amount of cash moving in and out of a business, critical for daily operations.
Payment Delay
The delay in receiving payments from customers or clients.