See how today’s spending changes your future cash balance
Try a worked example, change the numbers, and learn what creates a cash shortfall. Free to use, with no account or bank connection.
- No signup required
- Runs locally in your browser
- Educational tool
- No financial advice
Simple cashflow forecasting tools
Explore and model cashflow scenarios for personal budgeting and educational purposes.
Month-by-month forecast
See detailed income, expense, and balance projections.
Scenario planning
Compare best, base, and worst-case outcomes.
Learn with an example
Explore how a large bill can create a shortfall despite a monthly surplus.
Private & local
Financial entries stay in this browser. Optional usage analytics exclude entry names and amounts.
Flexible time ranges
Set custom start/end months for short or long plans.
Export ready
Download CSV or PDF reports, and save a backup you can restore.
Trust & Transparency
Privacy First
No signup, no emails, no account creation. Your financial data never leaves your device.
Local Processing
All calculations happen locally in your browser. We have zero access to your numbers.
Free Education
A completely free tool designed for personal budgeting practice and financial exploration.
No Selling Data
Because we never collect your financial data, we can never sell it. Your privacy is not our product.
How it works
A clear workflow with transparent limitations.
- Add income and expense items with monthly, yearly, or one-time frequencies.
- Set your base currency, starting balance, and forecast period.
- Create scenarios to compare best, base, and worst outcomes.
- Mark items as already paid to keep the current month accurate.
- All data stays in your browser unless you export it.
- Results are estimates for educational purposes and should not be treated as financial, investment, tax, or legal advice.
Ready to explore your cashflow scenarios?
Start now for free. No credit card, no account setup.
This tool provides estimates based on your inputs for educational and personal budgeting purposes. Results are not financial advice or guarantees of future outcomes. Many factors can affect actual cashflow. Always consult qualified professionals for financial decisions.