Progress Billing Cash Planner methodology

earnedExTax = stage 1 earned work + stage 2 earned work

billedExTax = stage 1 billed value + stage 2 billed value

cashReceivedExTax = stage 1 cash received + stage 2 cash received

retentionHeldExTax = sum of each stage billed value × its retention rate

netCollectibleBilledExTax = total billed value − retention held

unbilledEarnedExTax = total earned work − total billed value

receivableExTax = net collectible billed value − cash received

remainingContractValueExTax = contract value − total earned work

retentionReleasedExTax = sum of retention released across both ordered stages

projectCostOutflowExTax = sum of project cost outflows across both ordered stages

stageOneClosingCashExTax = opening cash + stage 1 receipts + releases − stage 1 cost outflow

stageTwoClosingCashExTax = stage 1 closing cash + stage 2 receipts + releases − stage 2 cost outflow

closingCashExTax = opening cash + receipts + retention releases − project cost outflows

firstShortfallDateCode = first chronological stage with closing cash below zero

peakFundingGapExTax = largest cash shortfall after either ordered stage

Money inputs and outputs use the currency selected in the scenario without changing the canonical methodology. Rates, margins, utilisation and buffers are entered as percentages and converted to decimal values for calculation.

• All values must be finite and remain inside the visible input boundaries.
• All money values use one consistent ex-tax basis and period.
• Rates must remain inside their engine-owned boundaries.
• Each billed amount cannot exceed earned work, and cash cannot exceed billed value after retention.
• Cumulative earned and billed values cannot exceed the entered contract value.
• The two visible stage dates must be valid, unique and chronological; retention cannot be released before it has been withheld.

Contract value minimum

contractValueExTax ≥ 0 currency units/contract, ex tax — A lower value is rejected before calculation.

Contract value maximum

contractValueExTax ≤ 10,000,000 currency units/contract, ex tax — A higher value is rejected before calculation.

Opening project cash minimum

openingCashExTax ≥ -100,000,000 currency units/contract before stage 1, ex tax — A lower value is rejected before calculation.

Opening project cash maximum

openingCashExTax ≤ 100,000,000 currency units/contract before stage 1, ex tax — A higher value is rejected before calculation.

Stage 1 date minimum

stageOneDateCode ≥ 10,000,101 YYYYMMDD date code — A lower value is rejected before calculation.

Stage 1 date maximum

stageOneDateCode ≤ 99,991,231 YYYYMMDD date code — A higher value is rejected before calculation.

Stage 1 earned work minimum

stageOneEarnedExTax ≥ 0 currency units/stage 1, ex tax — A lower value is rejected before calculation.

Stage 1 earned work maximum

stageOneEarnedExTax ≤ 10,000,000 currency units/stage 1, ex tax — A higher value is rejected before calculation.

Stage 1 billed value minimum

stageOneBilledExTax ≥ 0 currency units/stage 1, ex tax — A lower value is rejected before calculation.

Stage 1 billed value maximum

stageOneBilledExTax ≤ 10,000,000 currency units/stage 1, ex tax — A higher value is rejected before calculation.

Stage 1 cash received minimum

stageOneCashReceivedExTax ≥ 0 currency units/stage 1 event, ex tax — A lower value is rejected before calculation.

Stage 1 cash received maximum

stageOneCashReceivedExTax ≤ 10,000,000 currency units/stage 1 event, ex tax — A higher value is rejected before calculation.

Stage 1 retention rate minimum

stageOneRetentionRate ≥ 0 decimal fraction of stage 1 billed value withheld — A lower value is rejected before calculation.

Stage 1 retention rate maximum

stageOneRetentionRate ≤ 1 decimal fraction of stage 1 billed value withheld — A higher value is rejected before calculation.

Stage 1 retention released minimum

stageOneRetentionReleasedExTax ≥ 0 currency units/stage 1 event, ex tax — A lower value is rejected before calculation.

Stage 1 retention released maximum

stageOneRetentionReleasedExTax ≤ 10,000,000 currency units/stage 1 event, ex tax — A higher value is rejected before calculation.

Stage 1 project cost outflow minimum

stageOneProjectCostOutflowExTax ≥ 0 currency units/stage 1 event, ex tax — A lower value is rejected before calculation.

Stage 1 project cost outflow maximum

stageOneProjectCostOutflowExTax ≤ 10,000,000 currency units/stage 1 event, ex tax — A higher value is rejected before calculation.

Stage 2 date minimum

stageTwoDateCode ≥ 10,000,101 YYYYMMDD date code — A lower value is rejected before calculation.

Stage 2 date maximum

stageTwoDateCode ≤ 99,991,231 YYYYMMDD date code — A higher value is rejected before calculation.

Stage 2 earned work minimum

stageTwoEarnedExTax ≥ 0 currency units/stage 2, ex tax — A lower value is rejected before calculation.

Stage 2 earned work maximum

stageTwoEarnedExTax ≤ 10,000,000 currency units/stage 2, ex tax — A higher value is rejected before calculation.

Stage 2 billed value minimum

stageTwoBilledExTax ≥ 0 currency units/stage 2, ex tax — A lower value is rejected before calculation.

Stage 2 billed value maximum

stageTwoBilledExTax ≤ 10,000,000 currency units/stage 2, ex tax — A higher value is rejected before calculation.

Stage 2 cash received minimum

stageTwoCashReceivedExTax ≥ 0 currency units/stage 2 event, ex tax — A lower value is rejected before calculation.

Stage 2 cash received maximum

stageTwoCashReceivedExTax ≤ 10,000,000 currency units/stage 2 event, ex tax — A higher value is rejected before calculation.

Stage 2 retention rate minimum

stageTwoRetentionRate ≥ 0 decimal fraction of stage 2 billed value withheld — A lower value is rejected before calculation.

Stage 2 retention rate maximum

stageTwoRetentionRate ≤ 1 decimal fraction of stage 2 billed value withheld — A higher value is rejected before calculation.

Stage 2 retention released minimum

stageTwoRetentionReleasedExTax ≥ 0 currency units/stage 2 event, ex tax — A lower value is rejected before calculation.

Stage 2 retention released maximum

stageTwoRetentionReleasedExTax ≤ 10,000,000 currency units/stage 2 event, ex tax — A higher value is rejected before calculation.

Stage 2 project cost outflow minimum

stageTwoProjectCostOutflowExTax ≥ 0 currency units/stage 2 event, ex tax — A lower value is rejected before calculation.

Stage 2 project cost outflow maximum

stageTwoProjectCostOutflowExTax ≤ 10,000,000 currency units/stage 2 event, ex tax — A higher value is rejected before calculation.

• All hours, utilisation, costs, rates and recovery targets are supplied by the user.
• Money values use one consistent ex-tax basis.
• No provider fee, jurisdiction, benchmark or demand forecast is embedded.
• Raw engine precision is retained until display.

This planner has no current policy-data dependency. Its commercial assumptions are user supplied. Registered family-level regression suites exercise the shared business-logic engine and worked-result reconciliation.

• Results depend on the completeness and classification of the entered business records.
• The planner does not forecast demand, utilisation, supplier terms or project outcomes.
• This is educational business decision support rather than accounting, tax, legal or financial advice.
• The two-stage worksheet reconciles entered ordered timing points; it does not forecast certification or collection dates.
• The planner does not determine statutory payment timing, security-of-payment rights, retention limits or contractual entitlement in any jurisdiction.

This is educational decision support, not tax, accounting, legal or financial advice. Check the treatment of your actual transactions under the rules that apply to your business and seek qualified advice where appropriate.

Registered family-level suites test formula invariants and example reconciliation; the release ledger records that coverage without claiming a separate oracle for every line of public copy. There is no official threshold or benchmark to refresh for this planner. Commercial inputs remain user-supplied because they vary by business and contract.

1. 2026-07-16: Initial public release of the Progress Billing Cash planner and methodology.