Know how long your cash will last.
Tarn connects your bank accounts, invoices and payroll, then forecasts your cash week by week, eighteen months out.
No card needed. Read-only bank access.
Forecasting cash for studios, roasteries, practices and workshops
NORTHFIELD
Halvard Joinery
Tarn reads every account, invoice and payroll run, and turns them into one honest forecast , so you see a tight month coming while there is still time to act .
Forecast horizon
Bank sync, read-only
Daily
Typical setup
Every number your cash depends on.
Balances, invoices, bills and payroll in one forecast that updates itself every morning.
14.2
months of runway at today’s spend
Dec ’27
Now
6 mo
12
18
24
Runway, measured daily
Recalculated every morning from real balances and every scheduled bill.
weeks below your floor this winter, each one flagged months ahead
Week 1 · $171,500
Week 2 · $184,700
Week 3 · $196,800
Week 4 · $206,700
Week 5 · $210,000
Week 6 · $205,600
Week 7 · $206,700
Week 8 · $204,500
Week 9 · $200,100
Week 10 · $192,400
Week 11 · $171,500
Week 12 · $163,800
Week 13 · $157,200
Week 14 · $151,700
Week 15 · $149,500 · below floor
Week 16 · $137,400 · below floor
Week 17 · $130,800 · below floor
Week 18 · $130,800 · below floor
Week 19 · $130,800 · below floor
Week 20 · $131,900 · below floor
Week 21 · $170,400
Week 22 · $183,600
Week 23 · $195,700
Week 24 · $205,600
Week 25 · $210,000
Week 26 · $205,600
Oct
Nov
Dec
Jan
Feb
Mar
Tight weeks, months ahead
Every week’s closing balance, with the ones under your floor showing early.
$412k
4 accounts
Operating 65% ·
Payroll 20% ·
Tax 13% ·
EUR 2%
Every account, one balance
Banks, cards and currencies in the number you really have.
Next payroll · Fri, Oct 31
−$38,200
Covered by the payroll account · 14 people
Bills and payroll, on the map
Scheduled bills, payroll and open invoices pulled in from your tools.
Slack
Text
Northfield paid invoice 1042
+$12,400 · arrived 3 days early
2h
Sales tax due Nov 8
−$9,880 · tax reserve covers it
1d
Heads up for week 19
Cash dips to $138,600. Move the kiln deposit to week 21 and you stay clear.
Try it
now
Warnings before it’s tight
Tarn tells you weeks early, with a fix you can test in one click.
Test a decision before you make it.
Switch a scenario on and watch the runway move. Nothing changes in your books until you say so.
ScenariosClayhaus Ceramics
- Cash lasts until
- Dec 2027
- Below your floor
- Jun 2027
Runway at current spend
14.2months
Set up in an afternoon.
Connect, tidy, forecast. Most teams have their first eighteen-month view before the end of the day.
Brightwater Bank
Business checking ·· 4410
Read-only. Tarn can never move money.
Importing 12 months · 84%
01
Connect your banks and books
Read-only links to your banks, ledger and payroll.
About 10 minutes
214 payments to Kiln Supply Co
Categorise as
Equipment
Accept rule
Edit
3 more to review
02
Tidy the categories
Tarn suggests rules from your history. Accept them, or edit a few.
About 15 minutes
Your forecast is ready
$412,380 today
→ $296,100 in April
03
Read your forecast
Eighteen months of weekly balances, with the tight weeks marked.
Ready the same day
Works with the tools you already use.
Bank feeds from over 11,000 banks and credit unions, plus your ledger, payroll, billing and the odd spreadsheet.
Banks
Ledgers
Payroll
Billing
Spreadsheets
Mara Lindqvist
Owner, Clayhaus Ceramics · 14 people · Portland
earlier warning on a cash dip
credit line we never had to draw
Mara Lindqvist
Portland
Dev Raman
Seattle
Amara Osei
Denver
Tom Halvard
Minneapolis
Priced per business, not per person.
Every plan starts with a 14-day trial. No card needed.
Monthly
Yearly
2 months free
Questions owners ask us.
Still deciding? Talk to someone who has run the numbers for a small business before.
Is it safe to connect my bank?
Tarn connects through a regulated bank-data provider with read-only access. We never see or store your bank login, and Tarn cannot move money. Data is encrypted in transit and at rest, and you can disconnect any account in one click.
How accurate is the forecast?
It starts from your real balances and the bills, invoices and payroll already scheduled, then learns your regular income and spending from the last twelve months. Most teams see weekly balances land within a few percent once a month of actuals has been matched.
Which accounting and payroll tools do you work with?
Tarn reads from the major cloud ledgers, payroll and billing tools, and over 11,000 banks and credit unions. If you keep part of the picture in a spreadsheet, you can import it or link a sheet that updates on its own.
Can my bookkeeper or accountant use it?
Yes. Invite them as an adviser at no extra cost on Growth and Group. Advisers can manage several clients from one login and leave notes on any week of the forecast.
What happens when the trial ends?
Nothing is charged automatically. You choose a plan if Tarn is useful, or the account closes and your data is deleted after 30 days.
Do you handle more than one currency?
Group plans hold accounts in any currency and convert at daily rates, so you see one consolidated balance alongside each account in its own currency.
