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Foreign-currency risk rarely sits in one invoice. Receipts, supplier payments, loans and orders occur on different dates, and a natural hedge works only to the extent that currency, amount and timing match. FX Orders & Cash Exposure Lab maps the complete entered portfolio without pretending to forecast the market. It is built for small and medium-sized businesses that buy or sell in foreign currencies and need to see their exposure by date.
See gross exposure and net exposure by currency and date bucket. Keep planned items separate from confirmed commitments. Enter a base-per-foreign rate and test clearly labelled rate or payment-delay scenarios. The revaluation view shows which orders cause the change, while the cash timeline shows whether a delayed receipt arrives after a foreign payment is due.
Link a sale or purchase to its business economics. For a foreign-currency sale, calculate the exchange rate at which contribution reaches zero or a target margin, using the costs you entered. Multi-currency cases keep other rates fixed or show a sensitivity grid instead of returning a misleading single threshold.
The tool does not predict rates, execute an exchange, recommend a hedge or perform hedge accounting. It provides a transparent exposure schedule, margin thresholds, scenario comparison and report based on your open orders and entered rates.
What you get
- One quote convention everywhere: base currency per one unit of foreign currency. Indirect quotes are converted once and kept as entered; cross rates go only through the base currency, with the path shown.
- Receivables, payables, sales and purchase orders, loans and commitments in any currency — the sign follows the type and is never typed by hand; partial settlements reduce the open amount exactly once.
- Gross and net exposure by currency and by month, week or day bucket — both always shown, never netted across different buckets.
- Natural-hedge view: receipts matched against payments in the same bucket and a cumulative position that shows when payments come first.
- Rate scenarios (percentage, absolute rate or a recorded scenario rate) and payment delays, compared with the baseline line by line.
- Dated base-currency cash schedule from your opening cash, with the lowest balance and any shortfall below your minimum.
- Margin break-even and target-margin rates for sales and purchases, with a sensitivity grid when costs sit in other currencies.
- Missing rates block only the related values; native amounts stay visible. Printable exposure and margin reports, CSV exports, a scenario XLSX workbook, JSON copy and complete backups.
How it works
- Enter your rates. Currencies & rates: the rates you use, with effective date, type and source — entered as direct or indirect quotes and stored one way.
- List the open items. Open orders: receivables, payables, orders, loans and commitments with amount, currency, due date and confirmed or planned status; record settlements as they happen.
- Read the exposure. Overview and Exposure timeline: gross and net by currency and date bucket, base values, natural-hedge match and the cash schedule, each with “How calculated”.
- Test and report. Scenarios and Margin thresholds: your own rate changes and delays against the baseline and break-even rates per order; Reports prints and exports the result.
Limits
Entered records and rates only. No rate forecast, no live market data, no bank or broker connection, no trade execution, no hedge recommendation and no hedge accounting. A threshold or scenario result is a calculation from your inputs, not advice. Not financial, tax, legal or accounting advice.
Questions
Does it predict exchange rates?
No. It uses only the rates you enter. Scenarios are your own assumptions, clearly labelled, and a break-even rate is a threshold from your costs — not a forecast.
Can it buy or sell currency for me?
No. There is no trade button and no connection to a bank or broker. The Actions log lets you record what you decided or did elsewhere.
Does it tell me whether to hedge?
No. It shows the exposure, timing and margin effect of the rates and dates you enter. Whether and how to hedge is your decision with your bank or adviser; the tool does not perform hedge accounting.
Why does it show both gross and net exposure?
Net shows the direction of the currency risk; gross shows the full volume you still have to settle. A receivable of 1,000 and a payable of 600 on the same date are net 400 but gross 1,600 — both matter.
What happens when a rate is missing?
Only the values in that currency are blocked and named; the native amounts and every other currency stay calculated. Nothing is filled with an assumed rate.
Does this use AI?
No. Calculations follow the rules and assumptions shown in the tool. The help panel explains the inputs, formulas and limitations.
What is included in a one-time purchase?
The full online tool, the self-contained offline package, a guide, templates and your own reports and backups, under the licence shown at checkout.
Is it included in PRO?
Active PRO Week, Month and Year subscribers can use the full online tool. The offline program for this new tool is included only with a one-time purchase. Your own reports and data backups are not offline-program downloads.
What happens if PRO ends?
You can still view and back up your existing local records. Creating or editing calculations requires renewed PRO or a one-time purchase. A separate one-time purchase remains valid independently of PRO.
Where are my records stored?
The calculation workspace stores records in your browser on this device. Save regular backups. Clearing browser storage can remove local records. Account and purchase records are handled separately by the website.
Can I use another language or currency?
The interface supports English, Spanish, German, French, Portuguese, Italian, Dutch and Russian. Choose your calculation currency separately from the language. Currency conversion uses the rates or assumptions you enter.
Does the demo accept my data?
No. The demo uses fictional examples and lets you inspect the workflow and sample reports. Your own inputs and imports are available in the full version.
Does this replace a professional adviser?
No. It explains calculations under your inputs. Use appropriate professional advice for legal, tax, employment, investment, credit and safety decisions.
Business license for use in your own business. No resale or redistribution. Opens in your browser right after payment, on phone and computer. Your figures stay on your device. No physical item.
FX Orders & Cash Exposure Lab
Map open foreign-currency orders, receipts and payments by date, compare entered rate and delay scenarios and find margin break-even rates — without a forecast.
Map your currency exposure by date — buy once for $24.
- One-time purchase
- Full version of this tool on the site plus an offline version to download. One payment. The offline copy works without a subscription.
- Access with PRO
- Full version on the site while your PRO is active. Export of your results and backups is included. The offline program is bought separately.
Pay by card, Apple Pay or Google Pay
- Works in any country · your own currency
- Download link on the confirmation page and by email
- What you need: Any modern browser · phone and computer · offline HTML file · CSV/XLSX import · CSV, XLSX & printable reports · 8 languages
- Refund within 14 days, for any purchase
- Formats: Interactive tool in your browser — phone and computer; PDF & CSV export
- Interactive tool · modern browser · phone and computer · downloadable offline version.
- Exact decimal calculations; every result shows how it was calculated, its formula version and its status.
- One base currency per project, fixed after the first posting; any number of foreign currencies with their own minor units; rates are never assumed.
- Your working records stay in the browser on your device. Export a backup to move them to another device.
- CSV / XLSX import of exposures, rates and settlements; CSV exports, scenario XLSX workbook, JSON copy, printable A4 / US Letter reports and complete backups.
- 8 languages: English, Español, Deutsch, Français, Português, Italiano, Nederlands, Русский.
- One-time purchase.
Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit.
