Cashflow

Cashflow is a cash flow forecasting tool that models how money moves between your accounts over time and shows the balance on any date.

You describe your accounts: a card, savings, a loan, income and expenses. Then you set up transfers between them: salary on the 10th, the mortgage on the 5th, a client who pays once a quarter, interest on a deposit. Every transfer has its own schedule, and individual dates can be excluded. An amount can be fixed, a share of a balance, or interest at a rate.

The cash flow forecast shows money moving day by day, account balances and cash gaps before a payment ever fails. Balances can be viewed adjusted for inflation or converted to another currency. For scenario planning, several versions of your financial plan sit side by side: mortgage or rent, saving more or less, taking a loan or waiting. Change one condition and see what happens.

Built for personal finance, freelancers and small business financial planning. Runs in the browser, you sign in with a code sent by email, and there is nothing to install.