What problem does it solve? Business owners often know only the net salary amounts in their head, while the real cash outflow is roughly 1.5x higher due to personal income tax (NDFL) and employer insurance contributions. This Skill calculates the full cost of payroll under Russian 2026 tax rules, forecasts whether cash will cover the payment date, and helps collect overdue receivables to close any gap. ## Core Features & Use Cases - Full Payroll Cost Calculation: Computes gross salary, progressive NDFL (13-22% brackets), and employer insurance contributions (30%/15.1%, SME 15% relief rules) per employee with a clear breakdown table. - Cash Flow Forecasting: Builds a 30/60/90-day forecast including tax payment dates via the unified tax payment (ENP), flagging named shortfall risks against the payroll date. - Receivables Collection: Ranks overdue invoices by amount, days overdue, and client payment history, then drafts payment reminders that are sent only after explicit owner approval. - Use Case: A small business owner asks whether they can pay salaries on the 15th. The Skill calculates the full payroll fund with taxes, forecasts cash, identifies a 42,000 RUB gap, and drafts reminders for the top overdue invoices to close it. ## Quick Start Ask the assistant to run plan-payroll with a 30-day horizon and your next payroll date to check whether you can confidently pay salaries.
