Cash surplus: how much money is really spare
Today's balance is not what is spare. The agent takes off your buffer and the payments ahead and tells you what amount you will not need, and for how long.
The problem
“We have money sitting in the account, but I don't know how much of it I can touch.” The balance says what is there today. It does not say that next month the quarter's taxes, payroll and two large supplier invoices fall due.
It happens to managing directors and finance directors in any company with comfortable cash and payments that bunch together. When in doubt, the money stays where it is, or too much gets tied up and has to be released in a hurry.
How it is done today
Someone looks at the balance, subtracts in their head what they remember is due and leaves a margin “just in case”. If there is a forecast spreadsheet, it is usually out of date. The figure depends on who does the sum and on which day.
So it is hardly ever done, and the decision is put off.
How we solve it
- It starts from up-to-date treasury: the balances of all your accounts, each with the date of its data, and separates immediate cash from what is already held in funds.
- It works out your average monthly spend from real transactions and how much room today's cash gives you.
- It sets aside the buffer you have decided to keep.
- It takes off the outflows ahead: recurring payments, invoices to pay and the taxes in the tax calendar.
- It checks the result against the 13-week cash forecast, including the scenario with payments arriving late.
- It tells you in one sentence: what amount you will not need and for how long. If history or a piece of data is missing, it says so instead of estimating.
Result
In our own company, “how much is spare?” is answered with an amount and a period, worked out from the payments ahead and not from the day's balance.
What it takes
Timeline
It builds on treasury. If your accounts are already gathered in one view, it is a short step. If not, that comes first. The exact timeline comes out of the assessment.
Data and access
View-only access to your accounts, or their statements. Your outstanding receivables and payables. And two decisions of yours: the buffer you want to keep and the period you want to look at.
Your tools
Your banks and your invoicing tool, the same connections treasury uses. You do not have to change banks or sign up for anything.
How it is built
The calculation is not done by the AI model. It is done by a deterministic program, with no network access and with its own tests: the same data always gives the same figure. The AI gathers the input and explains the result.
Bank data goes through a pseudonymisation gateway before it reaches the model, which sees amounts, dates and codes, not names or account numbers.
The connection to the banks is read-only by design: there is no operation to pay, transfer or sign up for anything.
The answer includes no products and no institutions. Each calculation is stored with its date so it can be compared with the next one.
Frequently asked questions
Does it tell me where to invest the surplus?
No. It says how much money you will not need and for how long. What to do with it is your decision, with whoever advises you.
Is this financial advice?
No. It is a calculation on your own cash: balances, buffer and expected payments. It does not recommend investment products or institutions.
How is it different from looking at the balance?
The balance is what is there today. The surplus takes off the buffer you want to keep, recurring payments, invoices to pay and the taxes ahead.
Can the agent move the money?
No. It only reads. Any movement of money is made by you, at your bank.
What does Julditec do?
We implement the agent, adapt it to your company, train your team and maintain it. The day-to-day work is done by the agent; deciding what to do with the surplus stays with you.
Part of Finance and tax