The Cashflow report: keep all versus exit

Cashflow is now its own page in the Reports menu, separate from Liability. Where Liability shows accrued commitment amortised smoothly, Cashflow shows the actual money leaving your account on the dates it really goes out. Keep all builds up as a rising cumulative curve; Exit counts down as you clear each remaining commitment. A toggle switches between the two scenarios, and a short tooltip on each explains what it assumes so you are never guessing.

Keep all is business as usual: the cash you would pay if you cancelled nothing, with every tool renewing on schedule. Exit is the disciplined alternative: you serve notice on each tool exactly at its cancellation deadline, so the curve reflects paying only what you are still committed to before you could walk away. Comparing the two shows the cash you could free up by acting on notice periods.

You control how far ahead to look. The horizon selector offers 12, 24 and 36 months, and you can also pick a custom end month, which is useful for lining the forecast up with a budget year or a board date. The curve and the totals redraw to the window you choose.

Lifecycle state is respected so the forecast matches reality. Tools you have cancelled or that have already expired drop out entirely - you will not pay for them, so they do not appear. A tool with notice already given stops at the end of its current term rather than rolling forward. Everything still auto-renewing rolls forward across the horizon, and non-auto-renewing tools simply end at their fixed date.

A recurring tool is billed on its own cadence for the whole horizon, whatever its renewal date. The renewal date sets which day of the month or quarter the payment lands on, not how many payments there are, so a monthly tool whose renewal sits eleven months out still shows twelve payments across a twelve-month window rather than the one or two that fall after that date. A day the calendar does not have is moved to that month's last day and then goes straight back, so a tool billed on the 31st is charted on 28 February and 31 March, never nudged earlier for good. Tools with no dates recorded are forecast too rather than silently dropped: StackTrackr bills them from today at their stated cadence. Add real dates when you have them for a sharper forecast. Hover anywhere on the chart to read the date under your cursor, the running total at that point, and the top tools driving it. Cashflow is part of the paid spend-analytics features.