Payday Radar: an offline cash-flow tool that predicts late invoices with TabPFN-3.5

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Payday Radar is a prototype cash-flow tool for freelancers and small agencies that takes invoices and expenses as CSV files. It estimates which open invoices will likely be paid late and by how many days, and forecasts 90 days of cash using P10, P50 and P90 scenarios. The tool also flags unusual expenses and duplicate invoices, drafts payment reminders in English or Norwegian, and answers affordability questions using the pessimistic scenario. It runs entirely on the user's machine with no account, and all prediction is done by the TabPFN-3.5 model, so it has only been tested on synthetic data so far. The model's license is non-commercial, which currently limits commercial use.

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