Financial health

The Financial health panel on the Finances Overview gives the scope you are looking at an overall band (on track, at risk or off track) and a score for six areas. Each area shows what moves it, the figures it rests on, a line of its last 30 or 90 days, and See why, which opens the Finances section that explains it.

• Cash coverage: the income expected in the next 30, 60 and 90 days (payments due and invoices sent) against what you spend in a month at the last 90 days' pace. The weakest of the three decides.
• Budget burn: projects over budget, and projects that will run out of budget before their budget ends at the current pace.
• Margin: revenue minus spending, write-offs and labour over the last 90 days, against the margin threshold in Finance settings. It needs labour cost, so without the billing oversight permission it shows as hidden.
• Receivables: what is owed to you, split by how long it is overdue (not yet due, 1 to 30, 31 to 60, 61 to 90 and over 90 days).
• Recurring revenue: monthly recurring revenue now against 90 days ago, and how much of it comes from your largest client.
• Spend vs plan: spending in each planned category against its plan, on projects with a spending plan.

Each area is scored from 0 to 100 by fixed rules: 70 and above is on track, 45 to 69 at risk, below 45 off track. The overall score weighs the areas that could be measured (Cash coverage 25%, Budget burn 20%, Margin 20%, Receivables 15%, Recurring revenue 10%, Spend vs plan 10%); an area that is hidden or has nothing to measure says why and is left out, never counted as zero.

Under the overall band, a short explanation says which areas pull it down. On the Business plan it can be written by AI from the same figures; the AI never sees a name or an amount, and the page always shows the figures from the rules.