A strategic cash flow management tool that helps businesses optimize their payment schedules. Users can input a list of their outstanding bills (payables) including the vendor, amount, due date, and any early payment discount terms (e.g., '2/10, n/30'). The tool then allows the user to select a payment date and instantly calculates which discounts can be captured and which cannot. It provides a clear schedule of payments, highlighting the total cash saved from discounts versus the cash required, enabling businesses to make informed decisions that balance capturing discounts with preserving cash on hand.