क्या ७ तारीख को तनख़्वाह दे पाऊँगा?
One voice note. A thousand futures.
Ask in Hindi, Marathi or English on WhatsApp. Kab Tak? plays out 1,000 versions of your next 90 days, shows the week cash may run short, and how late each buyer can pay before it does.
"Should I take a ₹12 lakh order from a new buyer on 90-day terms?"
From one question to a clear answer.
You ask the way you'd ask your CA. You get one answer, and the working is there for your CA to check. Fix suggestions are the next step.
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Ask in your own words.
Send a voice note on WhatsApp in Hindi, Marathi or English. "Can I take this order?" "What if my biggest buyer pays a month late?" No forms, no dashboard.
The language model only turns your words into a question. It never produces a number.
Heard: new buyer, ₹12 lakh order, 90-day terms.
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Every invoice gets a range, not a due date.
Buyers rarely pay on the day. Kab Tak? learns when each buyer actually pays, then asks the question in its name: kab tak? How many days late can each buyer be before you run short?
Dots show an illustrative spread of payment days; the limits shown are illustrative too.
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1,000 futures, checked week by week.
Each of the 1,000 runs mixes those payment ranges with your wages, EMIs, GST and supplier bills. Every week gets one number: the chance you run short. The limit is 5%.
In this example the worst week is 14 Dec: advance tax, GST and the GST on the new order all land together.
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Coming next: the cheapest fix, priced in rupees.
Today Kab Tak? shows the risk and how late each buyer can pay. Next we want to price the ways out: discount an invoice on TReDS, ask a buyer for shorter terms, pay a supplier later. That is not built yet.
The panel is a mock-up with made-up costs.
Other apps draw one line. We draw a thousand.
It stays above zero, so everything looks fine.
An example shop: in 49 out of 100 futures, cash runs out the week of 14 Dec.
| Most cash-flow tools | Kab Tak? |
|---|---|
| A dashboard in English | A voice note on WhatsApp, in Hindi |
| One forecast line | 1,000 futures and the chance of running short each week |
| Invoices counted on their due date | A payment range for each buyer, and how late they can be |
| "You may be short" | The chance of a shortfall each week, and how many days late each buyer can pay (fix suggestions are coming next) |
पैसा कब तक चलेगा? पूछिए।
Ask your first question this week.
Fill in the Kab Tak? Excel template with your invoices and bills, or just start typing them on WhatsApp. Your shop's data stays yours.
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