Calculator · Cash Flow
Client Receipt Concentration Calculator
Measure one client's share of planned cash receipts and stress a specified portion arriving after the period, keeping cash distinct from revenue.
Formula and cost boundary
Receipt concentration = one client's receipts / total receipts; stressed closing cash = opening + total receipts − delayed client receipts − payments
Client receipts are part of total receipts, not an extra amount; they cannot exceed the total. The delay percentage applies only to that client's scheduled receipt. Delayed receipts belong in a later period and are not automatically canceled sales or bad debt. A reserve is a comparison target, not an additional expense. Negative closing balances identify an unfunded scenario, while concentration is undefined if there are no receipts. This model sets no recommended concentration limit.
Worked example: Half of a concentrated receipt arrives later
The following inputs are hypothetical values for checking the calculation. They are not recommended prices, wages, margins or platform charges. Keep the units and period shown in each label when replacing them with your own records.
| Input | Example value |
|---|---|
| Opening available cash | $5,000 |
| Total scheduled receipts | $20,000 |
| Selected client receipt included in total | $8,000 |
| Selected receipt delayed beyond period | 50% |
| Scheduled cash payments | $17,000 |
| Desired closing cash reserve | $2,000 |
| Result | Calculated value |
|---|---|
| Closing cash after specified delay | $4,000 |
| Cash above or below reserve | $2,000 |
| Receipt moved beyond the period | $4,000 |
| Client share of total receipts | 40% |
Using the result
Save the input set alongside the source date of each quote or cost record. Review the cost boundary before comparing this result with another report: a contribution measure may exclude overhead, and a cash measure follows payment dates. Display rounding does not change the underlying assumptions. Recalculate when an input changes; the tool does not predict future sales or collections.
Are any rates supplied automatically?
No. Numeric fields are your inputs. Example values demonstrate arithmetic only. Check your contracts and records for the amounts that apply to your business.
Why might a result be unavailable or negative?
A missing denominator or inconsistent inputs can make the calculation undefined. Those combinations are rejected or labeled explicitly. A valid negative result remains visible because it may identify a loss or cash shortfall.
Method reference: OpenStax: Financial Budgets. Checked October 22, 2026. Dated receipts and payments; no borrowing or investment model is implemented.
Related calculators & guides
- Project Backlog vs Available Delivery Capacity
- Retainer Rollover: Track Future Hour Obligations
- Milestone Acceptance Delays and Cash Timing
- Price Billable Travel Time and Trip Expenses
- Build a Client Meeting Cost Budget
- Project Handoffs: Review and Rework Costs
- Scope Reduction vs a Price Discount
- Fixed-Fee Cancellation Cost Scenarios
- Time and Materials with a Not-to-Exceed Cap
- Build a Blended Team Billing Rate
- Subcontractor Markup vs a Management Fee
- Billable Write-Offs: Trace Lost Fee Value
- Service Software Seat Costs and Client Work
- Outsourcing Admin: Required Sold Hours
- Client Concentration and Receipt Timing
- Project Work in Progress and Cash Committed
- Annual Contract Renewals and Cash Commitments
- Delayed Project Starts and the Cash Schedule
- Analyze Cash Forecast Errors by Cause
- Link Receipt and Payment Scenario Assumptions
- Project Backlog Capacity Calculator
- Blended Team Billing Rate Calculator
- Cash Forecast Error Calculator
- Backlog and Deadline Capacity Reference
- Cash Forecast Error Reconciliation Table
- Worked Example: Backlog Capacity and Collection Delay
- Service Delivery and Cash Operations Workbook
- Cash Flow and Scenario Planning
Report an error
Thank you! Your feedback helps us make this page better.
Could not send. Please try again.