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Made in NZ · For NZ buildersSee the tight weeks before they arrive
Cashflow, not profit, is what sinks building businesses. Toolie projects your cash position forward from the money you already know about — over 8, 13 or 26 weeks.
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Project your cash position forward
Toolie forecasts cash from what’s already on the books — invoices due, progress claims, deposits, supplier bills and pay runs — over an 8, 13 or 26-week horizon, so a tight week shows up while you can still do something about it.
Built around what squeezes a builder
- GST cycles — the two-monthly bill that catches people out
- Retentions held under the Construction Contracts Act, and when they’re due for release
- Progress claims and deposits timed to the build programme
- Wages and supplier bills as they fall due
Work-in-progress and over/under-billing
Toolie also shows work-in-progress across live jobs and flags where you’ve billed ahead of or behind the work done — the number that turns a ‘busy but broke’ month into something you can explain and fix.
From the same data you already keep
Because your quotes, invoices and jobs already live in Toolie, the forecast isn’t a separate spreadsheet you maintain — it updates as you invoice and get paid. It pairs with invoicing (GST, retentions) and feeds the owner’s view in construction management.
More Toolie guides: payroll & timesheets, cashflow forecasting, subcontractor management, client portal · or the full feature guide. Start free at app.toolie.co.nz.
Common questions
What is cashflow forecasting for a builder?
It projects your future cash position from money you already know about - invoices due, progress claims, deposits, bills and wages - so you can see tight weeks (like a GST period or a wage run) before they hit. Toolie does this over 8, 13 or 26 weeks.
Does it account for GST and retentions?
Yes - the forecast is built around NZ realities: the two-monthly GST cycle and retentions held under the Construction Contracts Act, including when retentions are due for release.
Do I have to maintain a spreadsheet?
No - the forecast updates from your quotes, invoices and jobs already in Toolie, so it moves as you invoice and get paid rather than being a separate file you keep by hand.
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