QTNCORE

A cash reserve planning tool designed for small businesses and freelancers. It eliminates the need for tedious bookkeeping while accurately calculating safe cash reserves, cash flow runway, and potential funding gaps. No login or registration is required; no data is uploaded, and no bank accounts are linked. All data is stored locally to ensure maximum privacy regarding business finances.

Key Features ・Overview Dashboard: Instantly view available cash, safety reserve benchmarks, cash runway (days of coverage), and cash health ratings. ・Cash Flow Calculation: Input income and expense data to calculate required reserve funds based on a 30–90 day safety cycle; centrally manage fixed costs such as rent and payroll. ・Cash Calendar: Visualize future cash flows, mark major payment milestones, and anticipate periods of financial strain in advance. ・Scenario Comparison: Simulate different business scenarios—such as cost adjustments or operational changes—and use stress testing to assess resilience against revenue fluctuations. ・Integrated Tools: Includes calculators for cash buffers, funding gaps, tax provisions, and seasonal cash planning; reports can be exported locally as PDFs or images. ・Multi-currency Support: Supports five major currencies—USD, EUR, GBP, CAD, and AUD.

Target Audience Small and medium-sized business owners, freelancers, and financial managers.

Disclaimer All calculation results are intended solely for business planning reference and do not constitute professional financial advice; please make decisions based on your specific business circumstances.