Cash Flow Add-on
The Cash Flow add-on is a day-by-day treasury forecast. It starts from the money in your bank accounts, adds money that's coming in, subtracts what you owe as it falls due — payroll, rent, card payments, supplier invoices — and shows your projected available balance for each day, highlighting the days where you'd come up short.
It's included in the Standard plan and above, alongside Books & Financial Reports — it needs no separate purchase and no other add-on switched on first.
What it does
| Piece | What you get |
|---|---|
| Payment methods | Bank accounts and credit cards. Bank balances are the starting point of the forecast; card minimum payments become outflows on their due dates |
| Expected expenses | Payroll, rent, utilities, and other recurring or one-off outflows, projected onto each day they're due |
| Supplier invoices | With Accounts Payable on, approved and partly-paid bills are pulled in automatically |
| Include Amazon payouts | Count the money Amazon has released to you as incoming cash (on by default once Amazon is connected) |
| Daily forecast | A grid showing, for each day, what's due, what's coming in, and your projected available balance |
Before you start
Cash Flow builds on the books, so it arrives together with them:
- Be on Standard or above. Cash Flow is included from the Standard plan, along with Books & Financial Reports. It isn't available on Free. (Workspaces still on an older Sprout, Grove or Canopy plan can keep buying it as an add-on, as before.)
- Optional: connect Amazon. If you sell on Amazon, connect your Amazon account under Integrations → Channels so the forecast can count your Amazon funds (see Include Amazon payouts).
Where to find it
On Standard, a Cash Flow item is already in the sidebar under Analytics — there's nothing to activate. On Free the item is hidden until you upgrade.
First-time setup
The first time you open Cash Flow, a short setup guide walks you through the essentials so your forecast is useful right away:
- Your recurring expenses (payroll, rent, utilities).
- Your payment methods (bank accounts and cards).
You can skip it at any point and come back later — the Setup guide button at the top of the page re-opens it whenever you want.
Where the numbers come from
For each day in the grid, Available is:
your bank balances + money coming in by that day − everything due by that day
- Bank balances — the total of the available balances you entered for your active bank accounts. This is day one.
- Money coming in — only from Amazon, through Include Amazon payouts. Without an Amazon connection, or with that switch off, nothing is added: the forecast is your bank balance minus what's due.
- What's due — every occurrence of your expected expenses, each credit card's minimum payment on its due date, and (with Accounts Payable on) the unpaid amount of approved and partly-paid supplier invoices on their due dates. Invoices already past due count on day one.
Card headroom is shown, not spent. The available credit on your cards appears in its own box at the top, but it isn't added to Available — borrowing on a card isn't the same as having the cash.
Include Amazon payouts
Once your Amazon finance data has synced, an Include Amazon payouts switch appears at the top of the page. It's on by default: your Amazon funds count as incoming cash in the forecast. Turn it off only if your Amazon money doesn't come to you straight from Amazon, for example because a financing service advances it to you. With it on, the daily grid adds two columns:
- Amazon releasing (green, known) — funds that have already been released on Amazon, shown on the day they land in your bank, about 2 business days after they release (weekends and bank holidays are skipped). This is earned money you can count on, and the amounts vary day to day with your sales.
- Releasing (est.) (italic, estimate) — once the known releases run out, Iraca projects future releases at your recent daily release rate. It's a forecast, not a guaranteed amount.
This counts what Amazon has released to you, not the transfers Amazon has already made to your bank: a transfer that has happened is already in the bank balance you entered, so counting it again would add it twice.
The 2-business-day transit is an adjustable assumption. If your Amazon-to-bank timing differs, contact support and we can tune it for your account.
Releases that already landed before your forecast window. Money that released a few days ago has already landed in your bank by the time you check the forecast, so it isn't repeated as a future inflow. Instead, if any release landed within about the last week, Iraca shows a small notice above the grid ("$X landed on Amazon just before this forecast window") listing each date and amount. This is a check, not a warning: confirm that your Bank available balance already includes that money. If you haven't updated your bank balance since, update it so the money is counted.
Reading the forecast
Each row in the grid is one day.
- Due — what falls due that day.
- Amazon releasing / Releasing (est.) — only with Include Amazon payouts on (see above).
- Available — your projected balance at the end of that day. Rows where it goes negative are highlighted in red.
The point of the highlighted days is to show them before they happen, so you can bring a payment forward, defer an outflow, or plan a transfer in advance. The forecast is only as current as your bank balances, so update them when they change.
Amazon payouts (audit)
If your Amazon account is connected and the Amazon Listings add-on is active, a separate Amazon payouts card shows your account's real numbers directly from Amazon: funds released, funds paid to your bank, funds still held in reserve, and a daily release rate. It's for reference only: it does not feed into the Daily forecast. (When Include Amazon payouts is on, the card is hidden, because the forecast already uses that data.)
This card has its own fixed date range, shown in its subtitle — it does not follow the From/To dates you set for the Daily forecast. The Daily forecast's dates pick which future days to project, while the Amazon payouts card always reflects the last ~60 days synced from your Amazon account.
Want a date range you can choose, a breakdown by fee category, or to search a specific order or listing? Click "See fees by category, and search by order or listing" on the card, or go to Integrations → Amazon Finances directly — see the Amazon Finances guide.
Adding payment methods
Open Cash Flow → Payment methods → Add to enter a bank account or credit card.
- Bank accounts contribute their available balance to the forecast's starting point.
- Credit cards contribute their available credit to your card headroom. Enter it directly from your card app or statement (it's usually more accurate than limit-minus-balance once pending charges and holds are counted); your total card headroom is the sum of available credit across all your cards. If you leave it blank, Iraca falls back to limit minus current balance. A card's minimum payment also shows up as an outflow on its due date.
For your security, Iraca stores only the last four digits of a card or account — never the full number.
Updating a credit card each month. Use the Update this month (pencil) action on a card to record the new cycle's balance, available credit, minimum due, and due date. Each update is kept as history — open the History (clock) action to see how the card's balance and due dates have moved over time. Bank balances are current-only and are simply overwritten when you change them.
Adding expected expenses
Open Cash Flow → Expected expenses → Add to enter recurring or one-off outflows — payroll, rent, utilities, a loan payment. Set the amount and how often it recurs (one time, weekly, biweekly, semimonthly, or monthly). For monthly and semimonthly expenses you can set the day of month they fall on; for the others, set the start date. You can also record which payment method covers each expense and add notes. Iraca projects each occurrence across your forecast window and subtracts it on the day it's due.
If the Accounts Payable add-on is active, your approved and partially-paid supplier invoices are pulled in automatically as outflows on their due dates — no need to re-enter them here. Bills that are already past due aren't lost: any overdue invoice weighs on day one of the forecast, so it hits your opening position instead of disappearing off the start of the window. See the Accounts Payable Add-on.
What it doesn't do (yet)
- It doesn't connect to your bank or card automatically — you enter and update balances yourself.
- It doesn't count sales from channels other than Amazon as incoming cash.
- It doesn't move money or pay anyone — it's a forecast, not a payment tool.