Tell us what’s due.
Cash today, money owed to you and bills coming up. Start with the facts you have.
A working example from Polar Systems
Know what’s coming.
Keep on top of your cash.
Who owes you money? What bills are coming up? Find out whether your next 30 days are covered — and what needs your attention.
Try the working example, or enter your own figures. No sign-up or bank connection needed.
Plain-English questionsFigures stay on your device by defaultYou approve every follow-up
Your 30-day cash check
Let’s start with what you know.
Step 2 of 5
Who owes you money?
Add each unpaid invoice and the date you think it will actually arrive. Use a reference or nickname if you prefer.
Already paid? Mark it paid. Waiting on a dispute? Put it on hold — it won’t count as money coming in.
Step 3 of 5
What needs paying?
Include rent, stock, wages, tax payments and money you plan to take out for yourself. Enter the actual payment amount, including VAT where applicable.
For repeating bills, start with the next unpaid date. If an earlier bill is overdue, add it separately rather than moving a paid date into the past.
Step 4 of 5
Anything we’ve missed?
The picture is only as complete as the figures you put in. Take a moment to check these three things.
Not sure about a figure? You can still see an estimate. We’ll flag that the check is incomplete.
Your 30-day picture
Here’s what the figures suggest.
Expected in
Planned out
Lowest balance
How the balance changes
Daily closing balances. An intraday payment gap may still occur.
What needs attention?
See the daily figures
| Date | In | Out | Balance |
|---|
An estimate from the dates and amounts you entered. It can’t guarantee payment or tell you that money is safe to spend.
Keep your figures for next time.
Your figures are only in this open page until you choose to save.
Have a spreadsheet? Import invoices and bills.
Use our CSV template. Dates use YYYY-MM-DD, amounts use pounds and pence without a £ sign. Existing identical entries are skipped.
Maximum 300 entries. Files are read in your browser, not uploaded to Polar.
No accounting course required
A few figures. A clearer next step.
See what changes.
Check the expected dates, then see what happens if customer payments arrive late.
Choose your next move.
Check a payment date, review a reminder or update the figures. You stay in charge.
Your information
Your figures stay
in your browser.
The working example and any figures you enter are calculated on your device. Your cash figures and imported files are not sent to Polar or an AI service.
Keep a copy yourself.
Download your figures or choose to remember them in this browser. Device saving keeps readable figures: use your own device, not a shared computer.
Enquire without sharing your finances.
The form below sends only the contact details and message you enter. It does not attach your cash check. Please leave out bank details, customer records and sensitive financial information.
Like what this can do?
Let’s make it work
for your business.
This is a working example of the practical tools Polar can build. Tell us what you need: a tool on its own, a connection to your existing systems, or a different business problem to solve.
No technical brief needed. Start with what would make your day easier.
Prefer email? web@polarsystems.co.ukA few sensible questions.
Do I have to connect my bank or CRM?
No. Enter figures yourself or import our CSV template. You can use this tool without Polar SBM or any CRM.
Does Polar send reminders for me?
No. It prepares a polite draft for an unpaid, undisputed invoice. Check that it’s correct, edit it and send it yourself.
Does this calculate my VAT or tax?
No. Enter the cash amounts you expect to receive and pay, including tax payments or reserves you know about. Ask your accountant if a tax figure needs checking.
Can I keep my figures?
Yes. Download a figures file or choose device saving on your own computer. This example does not store a cash backup on Polar’s servers.
Is this accounting software?
It is a short-term cash planning tool. It does not keep statutory accounts, submit tax returns, arrange finance or guarantee that a customer will pay.