How does Daily Bank Balance work

The Working Plan displays the daily bank balance in the current month, helping manage cash flow and overdrafts. It alerts if the predicted balances breaches the overdraft limit. If there are multiple bank accounts these can be filtered for to allow account-specific views.

23 Sept 2026
Knowledge

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Answer

In the current month view of the Working Plan, you can see the predicted highs and lows of your bank accounts for the rest of the month and plan accordingly. Note it does not predict the daily balance in future months, only the current month.

Watch this video or read this resource to learn more

You can quickly identify:

If you have enough funds to pay your bills at a certain point in time
If you need to increase/decrease your OD or transfer funds from a revolving credit account
The timings of large variations in cashflow during the month
Opportunities where transferring funds into a high-interest account or fixing interest rates is beneficial.

The daily bank balance is predicted from the coded transactions and matched invoices, as well as the invoices in Needs Action that have a due date in the current month. If an invoice or transaction is not coded, or has a payment/due date outside of the current month it won't be included in the predicted balance.

To check your Daily Balances go to:

Budget
Working Plan for the current year
Cashflow grid
Set the revision date to the current month
Click the balances icon (dollar symbol next the the revision month drop down), and the daily bank balances will now be displayed on the right hand side of the screen

What's in the Daily Bank Balance drawer?

Today's balance
An alert will show if there are uncoded items for an account
The previous day's bank balance
Other previous days of activity are hidden, or click on the drop-down article to view them
Balances are displayed on days when there are changes to the daily bank balance
Predicted end of month (EOM) balance
Exit by clicking the cross on the drawer or clicking the Balances icon

Tips and Tricks
1. In Farm Focus you cannot have future-dated bank transactions but you can have future-dated invoices. You will need to have an invoice (email in, create a tax invoice or manually creatr a record) for all expenditure or income if you want them to be included in the predicted daily bank balance (including the likes of interest, drawings, rent).Note: it may be handy to create a repeating invoice for these.
2. You can interact with the plan while viewing the daily balance drawer. You may need to scroll across the screen to see months that are hidden behind the drawer.
3. Draft tax invoices are included as long as they are coded.
4. You can filter the plan by bank account and view balances for individual bank accounts.
Overdraft limit alert

You are alerted if your bank balance is predicted to exceed your overdraft (OD).
1. Balances that exceed the OD limit are red.
2. If today's date or end-of-month balance exceeds the OD limit an alert icon is displayed.
3. If you hover over the 'Exceeded OD icon' a tip will display 'OD exceeded, review invoices in Needs Action'.
4. Clicking on the icon will take you to the Needs Action Page.
  
  Tips and Tricks
  - An OD limit must be entered into Farm Focus (Settings> Bank Accounts) for the OD exceeded alert to be displayed.
  - You can filter by bank account and view potential breaches to OD limits for individual bank accounts.
  - It is up to you to decide what course of action you'd like to take if you notice your bank account is predicted to exceed its OD.
  - We do recommend you review your Needs Action and Completed screen to ensure the current month is tidy and all predicted income and expenditure have been included and there are no double-ups.

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