Beyond Xero's Cash Flow Tools

Xero's 30-day view is a good start. A 13-week operating model is what you actually need.

Xero's built-in cash flow prediction is a genuine improvement over nothing — it shows you short-term inflows and outflows based on existing invoices and bills. But it stops at 30 days, doesn't model scenarios, and can't answer whether you should hire next month. The Sprint extends Xero's data into a 13-week operating model that can.

Request the Cashflow Sprint See how it works

13-week cash map
3 what-if scenarios: late client, new hire, revenue drop
72-hour delivery — pay nothing if it's late
5-min weekly update — yours to run

What Xero's built-in forecasting does well

Xero's cash flow prediction shows predicted cash balances based on outstanding invoices, bills, and bank rules over the next 7 and 30 days. It's useful for short-term visibility and is included in all Xero plans at no extra cost.

30 days isn't long enough for operational decisions

Hiring, owner draws, major vendor commitments, and tax planning all require a 60–90 day view. Xero's 30-day horizon leaves the most important decisions in the dark.

Xero doesn't model scenarios

What happens to your cash if two large clients pay 3 weeks late? What's the impact of adding one more employee? Xero's forecasting doesn't answer those questions. The Sprint does.

Xero's forecast only includes what's already in the system

Known future expenses that haven't been entered yet — annual insurance, equipment purchases, seasonal staff — don't appear. The Sprint captures those explicitly.

Xero's built-in forecasting vs. the Spark Cashflow Sprint

	Xero's built-in forecasting	Spark Cashflow Sprint
Forecast horizon	7–30 days	13 weeks
Scenario modeling	None	3 scenarios included
Known future expenses	Only if entered in Xero	Captured in intake
Weekly operating decisions	Not designed for this	Built specifically for this
Weekly cadence process	None	Included — keeps the model current
Hiring / growth analysis	Not supported	Core use case
Cost	Included in Xero	$750 one-time

Free Assessment — No Email Required

How clear is your cash picture?

5 questions. 60 seconds. Get a personalized cash flow readiness score and your top risk areas — generated from your answers, not a generic template.

72-hour delivery guarantee. If your 13-week cash map isn't complete and working within 72 hours of submitting your inputs, you pay nothing.

Request The Sprint

Tell us where cash visibility is breaking down

Submit the basics and Spark Cashflow will review fit for the fixed-scope Sprint offer. Delivery stays manual for now. Intake does not.