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Sum of all bank account balances at the reporting cut-off, expressed in a single reporting currency after FX conversion. This is the gross top-of-house cash number — it does not net out restrictions, near-term liabilities, or commitments. The board reads this as the absolute denominator for runway and as a checksum against the cap table (capital raised − cumulative net burn ≈ cash). Common pitfall: founders sometimes report a USD figure that silently includes ILS/EUR accounts at stale FX rates — always reconcile against the bank-accounts list (per FX-aware MultiCurrencyAccountList) and tag the rate date. — Finance KPI, I'mBoard-authored (editorial tier).

I'mBoard-authored (editorial tier)

No public third-party standard anchors this KPI yet, so I'mBoard authors and maintains the definition — transparently labeled as editorial tier. See the ontology methodology for the published vs editorial tier system and the back-attribution workstream.

Rogue ID: finance.total_cash_in_bank Type: Currency Domain: Finance

Definition

Formula

Sum of period-end balances across all bank accounts, converted to the board reporting currency at the cut-off date FX rate. See `finance.bank_accounts_list` for the underlying line items.

Why it matters

The denominator of runway and the single most important survival input — every other cash KPI is read in proportion to this number. Also the basic cap-table sanity check: capital raised minus cumulative net burn should reconcile to total cash within working-capital noise.

How to interpret

Read in conjunction with finance.total_restricted_cash and finance.net_burn_rate to derive operationally available runway. A drop materially larger than net burn for the period signals an unreported outflow (deposit, settlement, FX) that deserves a board note. No published industry threshold exists for "good" — interpretation is always company- and stage-specific.

Calculation policy

How an AI agent should compute this KPI from messy company data. Free-text rules consumed at reasoning time — not a deterministic DSL. The most common ways to get this wrong are listed under Common miscomputations.

Inclusion rules

Every bank, brokerage, and money-market account balance at the reporting cut-off, summed.
Both restricted AND unrestricted balances — this is the gross top-of-house number, before any restriction is stripped out (that split lives in finance.total_restricted_cash / finance.total_unrestricted_cash).
Convert each non-reporting-currency balance to the board reporting currency at the cut-off-date FX rate, and tag the rate date.
Reconcile the total against the enumerated finance.bank_accounts_list so no account is silently missing.

Exclusion rules

Undrawn venture debt or credit-facility capacity — that is funding access, not cash on hand.
Cash receipts in transit that had not cleared into an account by the cut-off date.
Investments that cannot be readily converted to cash (lock-ups, term deposits past the horizon) unless reconciled in as cash equivalents.

Required inputs

Full enumerated account list (bank / brokerage / money-market) with balance, currency, and as-of date.
Cut-off-date FX rates for every non-reporting-currency account.
Per-account restricted flag, so the restricted/unrestricted split can be derived from the same source.

Data-source priority

Bank statements / treasury portal balances at the cut-off date.
Accounting GL cash balance as a fallback — only after it is reconciled to the bank statements.

Edge cases

Multi-currency cash: convert each currency at a stable cut-off rate, then sum — never mix stale rates.
A forgotten legacy operational account or money-market sweep silently understates the total — checklist-reconcile against the prior board pack.
Accounts opened or closed mid-period: use the period-end balance, not an average.

Validation checks

Total cash must equal finance.total_restricted_cash + finance.total_unrestricted_cash.
A period-over-period drop materially larger than net burn signals an unreported outflow (deposit, settlement, FX) — surface it as a board note rather than absorbing it.
Cap-table checksum: capital raised − cumulative net burn should reconcile to total cash within working-capital noise.

Common miscomputations

Reporting a single-currency figure that silently includes foreign accounts at stale FX rates.
Omitting an account entirely — the most common cause of a misstated total.
Treating an undrawn credit facility as cash on hand — inflates the survival picture.

finance.total_restricted_cash
finance.total_unrestricted_cash
finance.operationally_available_cash
finance.net_burn_rate
finance.runway_months
finance.bank_accounts_list

Source

I'mBoard editorial — authored and maintained by I'mBoard, first published 2026-04-01. No third-party standard is cited for this KPI; when one emerges, the definition is back-attributed and promoted to the published tier (a minor version bump). Read the ontology methodology for the published vs editorial tier system, attribution rules, and dispute process.