Scenario modeling
Model different cash flow scenarios and compare outcomes side by side. Adjust hiring plans, payment timing, or planned spend to understand the impact on cash balances and liquidity.
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Cash flow clarity for what’s next.
Your bank balance shows you where you are. Parallel shows you where you’re headed, what could change your trajectory, and how much time you have to respond.
It’s easy to see today’s cash.
The challenge is seeing three quarters ahead.
Your bank account tells you how much cash you have. Your accounting software tells you what happened last month. Neither tells you what happens if revenue slips, hiring accelerates, or a major customer churns.
This is where cash flow management becomes a planning problem. To manage cash effectively, you need: a clear view of today’s position, a forecast of where you’re headed, and a way to test the impact of decisions before you make them.
Most startups spend hours trying to do all this in a spreadsheet. Eventually the model falls out of date, confidence disappears, and decisions start getting made without clarity.
Parallel takes you out of the spreadsheets and brings back certainty by showing you a clear picture of current and future cash flow. No need to build and rebuild spreadsheets, and no more uncertainty about what your cash situation really is.
See where your cash is headed
Connect QuickBooks Online or Puzzle. Your cash inflows and outflows sync in automatically, and your cash flow forecast updates as your books do.
Deferred revenue, accounts receivable, and contract structure all affect when cash arrives. Parallel reflects real cash timing so you can plan more accurately.
Decide with a full financial picture, not just your gut. Run what-if scenarios and compare them side by side without changing the core model.
Every change to cash flow shows up in runway. Adjust hiring, spending, collections, or revenue assumptions and see the impact immediately.
What impacts your cash flow
New revenue
Future cash starts with future revenue. Parallel will create a model with the growth drivers that matter most to your business, allowing you to easily see how they affect cash flow over time.
Revenue retention (NRR)
Expansion, contraction, and churn shape how much revenue stays in the business over time. Small changes in retention compound, dramatically affecting future cash flow.
Cash collections
The timing of payment matters as much as the revenue itself. Invoice terms, payment delays, and contract structure determine when cash actually reaches your bank account.
Headcount and payroll
For most startups, payroll is your largest expense category. Every hiring decision creates an ongoing cash obligation through salary, benefits, taxes, and other employee costs.
Vendors and operating expenses
Software, infrastructure, marketing, contractors, and professional services all contribute to cash outflows. Some expenses are fixed, while others scale with growth.
Capital movements
Fundraising, debt financing, and other capital events can materially change your cash position, extending runway and reshaping future planning decisions.
Product Capabilities
Features that power cash flow forecasting
Live integrations
QuickBooks Online and Puzzle sync your actuals automatically. Your forecast updates as your books do, so there are no manual exports required. This also captures key aspects such as deferred revenue and accounts receivable, which are key to making sure the cash flow is correct.
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Dashboards and metrics
Understand how cash moves through your business. Connect operating performance, revenue, expenses, and profitability to see the drivers behind your cash position.
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Headcount
Model your hiring plan alongside the rest of your cash flow. Build rule-based headcount that scales with the business and see exactly how each hiring decision affects future cash balances.
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Get answers to all your financial questions
Parallel gives you the confidence to tackle the most critical financial questions in your startup
Runway clarity
Know your runway the moment your data changes, with full visibility into what moved the needle.
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Headcount planning
Understand if you can really afford a hire, and what needs to be true for that hire to be successful
Learn More about Headcount planning
Cash flow management
How much cash will you have in the bank and what levers do you have to change that.
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I'm able to understand where I am spending money today, and make decisions on how I should spend it tomorrow. I couldn't live without it."
Andrew Brown
Operations @ Ask Elephant
Frequently asked questions
What is cash flow management software?
It’s software that helps you see your cash position, forecast it forward, and model the decisions that change it. Unlike spreadsheets or accounting software alone, modern cash flow management software connects to your accounting, updates automatically, and lets you run scenarios on top of your real data.
How is this different from accounting software?
Accounting software like QuickBooks and Puzzle records what already happened, whereas cash flow management software shows what's happening next. They work together: Parallel builds reports on top of your accounting actuals and uses them to power the cash flow forecast.
How does cash flow forecasting work in Parallel?
Parallel pulls your historical cash inflows and outflows from your accounting software, then projects them forward using your assumptions about revenue growth, expenses, hiring, and capital movements. The forecast reflects what's in your books and updates as new actuals come in.
What's the difference between a cash flow projection and a cash flow forecast?
In practice, the terms are used interchangeably. Both refer to a forward-looking view of cash inflows and outflows. Parallel produces both: The live forecast updates automatically, and you can export a static cash flow projection for an investor data room.
Do I need a finance background to use Parallel?
No, Parallel was designed for SaaS founders without a finance background. Every input is built on sensible defaults.
What integrations are supported?
QuickBooks Online and Puzzle. Stripe, payroll, and HRIS integrations are on our roadmap. If there’s a specific integration you’d like to see, reach out and let us know.
How accurate is the forecast?
Accurate enough to make decisions against. The forecast is grounded in your real accounting data and assumptions. As actuals come in, the forecast updates so you can see exactly where reality is diverging from your model. The point isn't perfect prediction but clear direction.
How does Parallel handle annual or lump-sum payments?
It depends on how your accounting is set up. If you use an accrual basis, Parallel forecasts the same way. If an annual expense lands as a single payment, Parallel can either treat it as a one-time event that recurs on the same cadence or take an average over time. Either way, the expense is captured even if the timing isn't exact, and your monthly burn doesn't get inflated by a single-time payment.
Know your cash position, know your future
Parallel keeps your cash flow forecast current. You always know where your money's going today, what's coming next month, and what you can change to maintain a strong cash position.
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