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Peak Atlas

Software for cash flow & runway

Know where the money goes, before the account tells you.

Cash in and out, the biggest cost blocks and how many months the money lasts at the current pace. Start calculating below and see what matters in cash flow software.

Calculate runwayView Peak Cashflow
01

Here's what it looks like

Peak CashflowExample
Agentur Weitblick · October
Account balance
42.000 €
Cash in per month
18.500 €
Payments out per month
23.000 €
Runway
9.3 months

Account balance documented, monthly figures estimated

Simplified sample view with made-up data.
02

On this page

  1. 01Try it
  2. 02Overview
  3. 03Selection guide
  4. 04Use
  5. 05Features
  6. 06Is it a fit?
  7. 07FAQ

Try it right away

Your runway from three numbers.

Account balance, cash in and cash out as a monthly average. The calculation runs in your browser; nothing is stored or transmitted.

All business accounts combined. A negative value is allowed.

€

What actually comes in on average, not what's invoiced.

€

Salaries, rent, software, purchasing, taxes as a monthly average.

€

Monthly balance

-4.500,00 €

At this pace, the money lasts, mathematically, for 9.3 months.

Runway = account balance ÷ (payments out − cash in)

  • Runway = account balance ÷ (cash out − cash in). If more payments come in than go out, there is no runway.
  • The calculation assumes a steady pace. You have to estimate seasonal swings, tax payments and one-off expenses yourself.
  • Count payments, not invoices: an invoice issued is only cash once it is paid.

Quick overview

What cash flow software does.

Cashflow
The balance of everything that actually comes into and goes out of the account in a period. Cash flow software keeps these payment flows visible on an ongoing basis, instead of piecing them together from bank statements once a quarter.
Formula
Cash flow = cash in − cash out
Example
An agency invoices €30,000 in October, but only €18,500 arrives in the account. With €23,000 in payouts, the balance shrinks by €4,500 a month, even though revenue looks good.
Common mistakes
  • Treating revenue and incoming payments as the same
  • Forgetting quarterly payments such as taxes or insurance
  • Looking only at the account balance instead of its direction

Scope

Revenue, profit, cash flow. Three numbers, three questions.

Revenue, profit and cash flow compared
MetricInvoiceAnsweredBlind spot
RevenueSum of invoices issuedHow much was sold?Doesn't say when the money arrives
ProfitIncome − expensesIs the company making money?A profitable company can still be short on cash
CashflowCash in − cash outIs the account filling up or draining?Says nothing about profitability on its own

Selection guide

What matters in cash flow software.

Eight criteria, pre-weighted for small businesses without their own finance department. Set what matters to you and see where Peak Cashflow fits and where it doesn't.

  1. Cash in and out instead of revenue

    Available in Peak One

    The software shows what is actually flowing, not just what has been invoiced.

    Peak One: The cash picture in Peak Cashflow shows income and expenses per month.

    How important is “Cash in and out instead of revenue” to you?

  2. Runway with a traceable calculation

    Available in Peak One

    How many months the money lasts, and what the number is calculated from.

    Peak One: Peak Cashflow shows the runway with the calculation behind it, so you can check it.

    How important is “Runway with a traceable calculation” to you?

  3. The biggest cost blocks

    Available in Peak One

    Where the money goes, so you know where a change actually makes a difference.

    Peak One: The biggest cost blocks are part of the cash picture.

    How important is “The biggest cost blocks” to you?

  4. Estimated or documented

    Available in Peak One

    You see which number comes from an estimate and which from a real source.

    Peak One: Every further number replaces an estimate, and the picture always tells you what is estimated and what is documented.

    How important is “Estimated or documented” to you?

  5. Connect business account

    Partial

    Account balance and revenue come from the bank instead of being typed in.

    Peak One: Qonto can be connected: account balance per account and transactions with category and receipt. Other banks are not described on the website.

    How important is “Connecting a business account” to you?

  6. Accounting and payment providers as a source

    Partial

    Open invoices and payments flow in, with no monthly export.

    Peak One: sevdesk, Lexoffice and Stripe can be connected. For Lexoffice, the integration has only a few functions so far.

    How important is “Accounting and payment providers as a source” to you?

  7. Preview of the coming weeks

    Not yet verified

    Plan expected payments by date, for example for rolling liquidity planning.

    Peak One: Peak Finance shows profit, cash and plan at a glance. How far planning by weeks or individual payments goes is not yet described on the website.

    How important is “Preview of the coming weeks” to you?

  8. Bookkeeping and taxes

    Not included

    Post receipts, file VAT, prepare year-end financial statements.

    Peak One: Peak Cashflow gives you the overview for decisions. Bookkeeping and taxes stay in your accounting system.

    How important is “Bookkeeping and taxes” to you?

Your selection

3 must-have criteria

Available in Peak One
3
Partial
0
Planned
0
Not included
0
Not yet verified
0

All your must-have criteria are available in Peak One today.

The weighting is a suggestion. Adjust it to your team; nothing is saved.

Example from an agency

From the uneasy feeling to the concrete action.

  1. TriggerTwo big customers pay later than usual
  2. 01 · Cash pictureEnter key figuresAccount balance, cash in and out per month, the three biggest cost blocks.
  3. 02 · Account balanceConnect accountWith Qonto, the real account balance replaces the estimate.
  4. 03 · RunwayRead the runwayHow many months it lasts at the current pace, with the calculation behind it.
  5. 04 · TaskPlan an actionPayment reminder and cost review as tasks in Peak Work.
Result: You know how much room is left, and the next steps are tasks in your week, not a note next to the bank statement.

Peak Cashflow & Peak Finance

What's included today.

Only what is documented on the Peak One features page and app overview. What is missing there appears in the selection guide as “Not yet documented.”

Is this right for you?

Put in honest perspective.

Peak One is a good fit if

  • You want to see, without accounting knowledge, whether your account is filling up or draining and how long it lasts.
  • You'd rather start with estimates and make the picture more precise number by number.
  • You use Qonto, sevdesk, Lexoffice or Stripe and want to see that data in one place.

Something else fits better if

  • You need rolling liquidity planning with individual expected payments by date. Check this in the app before deciding or use a planning tool for it.
  • Your bank is not Qonto and you want to reconcile transactions automatically. The website doesn't yet describe other banks.
  • You're looking for accounting software. Bookkeeping and taxes stay in your accounting system.

What can be connected

Bank, accounting, payments.

Frequently asked questions

Briefly answered.

What is the difference between cash flow and profit?

Profit compares income and expenses, no matter when they're paid. Cash flow counts only what actually comes into and goes out of the account. A profitable company can still be short on cash if customers pay late.

Does cash flow software replace accounting?

No. It gives you the overview for decisions. For Peak Cashflow this is explicitly the case: bookkeeping and taxes stay in your accounting system.

How accurate is the runway?

As accurate as the numbers behind it and only at a steady pace. Seasonal swings, tax payments and one-off expenses shift it. Peak Cashflow shows which number is estimated and which is documented.

Can I connect my business account?

Qonto can be connected, with account balance per account and transactions with category and receipt. Other banks are not yet described on the website.

Do I need real account data to get started?

No. Your first cash picture is built from estimates: today's account balance, income and expenses per month and the three biggest cost blocks. Every further number replaces an estimate.

Sources & freshness

What this page is based on.

Content last checked against the product status on October 10, 2026. What is not yet available in Peak One is labeled “Planned” or “Not included”.

See what comes in, what goes out and how long it lasts.

View Peak CashflowView pricing