Public preview
Cash available to earn interest
Could cash earn interest while still covering upcoming payments?
Estimate an illustrative interest opportunity only after checking the operating cash buffer, forecast payments and account restrictions.
Records you need
- ✓Account balances
- ✓Cash buffer and access rules
- ✓Illustrative interest rate
What you get
- ✓Conditional available-cash scenarios
- ✓Yearly interest scenario
- ✓Questions about upcoming cash needs
Checks performed
- ✓Balance observation is current
- ✓Minimum operating cash retained
- ✓Interest-rate and account-concentration limits
From finding to decision
Average cash does not show what is available at the lowest point.
Use the lowest forecast balance that is free to spend after obligations and the approved cash buffer. A high average balance can coexist with a period when no cash is available.
- Separate cash free to spend from restricted balances and money still in transit.
- Put payroll, taxes, debt and other payments into the forecast on their expected dates.
- Check the lowest remaining balance against the approved operating minimum before comparing dated interest offers.
Evidence ready for review
Show that cash remains available for the required period separately from calculating illustrative interest.
Who makes the next decision?
The authorized treasury owner checks access, restrictions and terms before considering an account change.
Collect the supporting records from your software
Level diagnostic method reviewed . Apply it to the selected records and accounting policy; the teaching example does not resolve a live account.
Guided synthetic example
See the check from input to decision
A fictional account averages $620,000 over 90 days. That average alone does not establish a balance available for investment.
How review effort might be shared
An illustrative allocation is 15% collecting records, 20% applying checks, 10% flagging results, 25% investigating reasons, 20% finance review and 10% choosing an action. These percentages were not measured across engagements. Actual effort varies with data quality, complexity and the issue found.
Start with the source records
| Measure | Amount | Basis |
|---|---|---|
| Average observed cash | $620,000 | 90 days |
| Required operating buffer | $200,000 | Policy |
| Conditional scenario balance | $420,000 | Average minus buffer; not eligibility proof |
| Illustrative yield | 4.00% | Undated scenario assumption, not an available offer |
| Lowest forecast unrestricted cash | Not supplied | Required before an eligibility decision |
| Observation window end | Not supplied | Required for a live review |
Apply the documented check
Determine the lowest unrestricted cash remaining after dated forecast obligations and the approved operating buffer. Average cash minus buffer is only a sensitivity input. Apply a dated yield and actual eligible holding period only after liquidity and access are established.
Surface the flagged result
Needs review
If $420,000 of unrestricted cash remains available for an entire year at an assumed 4%, the fictional gross interest scenario is $16,800. It is not an eligibility finding. With the same $620,000 average but a $150,000 forecast trough and $200,000 required buffer, no balance is available under that policy.
Use recorded finance judgment to analyze possible reasons
At Level, we record the review logic, known explanations, and questions our finance professionals use in this situation. AI applies that documented human judgment to organize the most plausible reasons, without pretending it knows which reason is true.
Possible reasons to investigate
The apparent excess may be needed for payroll, taxes, acquisitions, seasonal troughs, debt covenants, or near-term projects.
Make the final human judgment
In a Level engagement, a Level finance professional validates the source evidence, challenges the AI-assisted analysis, and decides which explanation is supported.
Make the operating decision
Validate the 13-week forecast and treasury constraints before an authorized signer considers any account change.
Each skill uses an independent synthetic scenario. Shared month labels do not mean the examples describe one company or a single financial period.
Use this system
Start with the example, then inspect the structure
The JSON download is a sample record file to inspect with an AI assistant or developer. It is not a file to upload into your accounting software.
- Download the invented input and expected output.
- Replace one field at a time with a safe test value.
- Compare the result with the expected structure.
- Have a finance professional review every exception before acting.
Website example JSON and registry: CC BY 4.0 (attribution required). Downloadable toolkit ZIP: MIT. Each version identifies its own frozen examples.
Developer preview: AI-assistant helper (MCP)
This tool call returns fixed, invented sample records only. It does not connect to your books. Read the setup instructions.
run_synthetic_example {"slug":"idle-cash-interest-review"}Human review is part of the system
This check organizes evidence and surfaces exceptions. A person with finance domain expertise still needs to interpret the result, validate the source records, and discuss the operating decision.
Open source does not mean open client data. We publish reusable finance tools, checks, templates, and playbooks. Client records, workpapers, credentials, communications, and private configurations remain confidential.
Use it yourself, or bring us the messy part
Get a one-page plan for checking your records
Tell us where the records stop making sense. We will reply with the first check to run, the records it needs, and the decision that still needs human finance judgment.
Install the free skills yourself