Supplier Payment Run Planner

Supplier Payment Run Planner is an offline app: one HTML file in a zip that opens by double-click, with no installation, internet or subscription.

The problem it removes: Every Monday the owner faces the same pile: more supplier bills than cash in the bank. Without a plan the loudest supplier gets paid, the rent gets close to the line, and early-payment discounts that were worth taking are missed because nobody did the maths. Cash runs short in a week nobody looked at because the receipts expected that week never arrived.

What is inside:

• Enter cash in the bank today, the minimum balance to keep and your cost of funds (a yearly rate)
• Import unpaid supplier bills from CSV, or add them; tick Critical for rent, payroll suppliers and anyone you cannot pay late
• A Cash forecast tab: expected receipts and other payments for each of the next 12 weeks (payroll, rent, VAT, loan instalments)
• A Payment plan: week by week what to pay, what is deferred, closing cash after the run, and where cash runs short. Pin a bill to a week if you have promised it
• Order of payment each week: pinned and critical bills, then bills whose discount ends this week, then oldest due date, smaller bills first, while cash after paying stays at or above your minimum
• Early-payment discount maths: a discount such as 2% for payment within 10 days of a 60-day term is taken only if its annualised return beats your cost of funds, and the app shows that return
• A Discount calculator for any offer you are quoted
• A printable payment run for the week with prepared, approved and date lines; Mark paid on each bill after you pay
• Example data and an example bills CSV, JSON backup and restore

In the zip: index.html (the app), README.txt (quick start, how it calculates, limits) and EXAMPLE-DATA with a made-up example you can restore, plus 1 example CSV file in the layout the importer expects. Start in 10 minutes: open index.html, press Load example data, look around, press Clear everything and enter your own settings.

Rules are settings, not built in. Cash today, the minimum cash, your cost of funds, whether to take beneficial discounts, and every forecast figure are yours to enter. The planner assumes payment on the Monday of each week.

Who it is for: owners and finance staff of trading, contracting and retail businesses that manage many supplier bills against limited cash.

What it is NOT: a payment tool: it does not pay anyone and does not connect to your bank. The plan is only as good as the receipts you forecast, and deferring a bill can cost goodwill, late fees or a stopped supply, so check your supplier terms. It is not accounting software. Owner Cash Discipline Pack is an Excel and Word pack (weekly cash meeting, payment run, 90-day rescue) and 13-Week Cash Flow Forecast is a spreadsheet; this is a separate offline app that decides the order of payments by rules and does the discount maths.

Your data stays on this device in your browser. Back it up with Export; clearing browser data loses it otherwise.

Verified by us: 87 scripted checks through the real screens in Chromium, at 1280 px and 375 px. An independent Python version of the planning rules was compared with the app on the example data and on hand-built scenarios (cash shortfall, pinned and critical bills, a discount window ending, discounts that do and do not beat the cost of funds). Bad CSV rows, the discount calculator and the payment-run sheet (rendered to PDF and looked at) were checked too. The example bills CSV imports with no rows skipped and its total matches a hand sum. Not tested in Firefox or Safari (neither could be launched in our test environment), in Edge, on a real phone, on a real printer, or with real bank or accounting exports; layout checked at 375 px and 1280 px.