Cash Flow Forecast

Cash Flow Forecast shows how much money will be in the bank at the end of each month, from three months to two years ahead. Start with the cash you have today, add what comes in (sales, fees, a loan) and what goes out (wages, rent, stock, tax), and say how often each one happens: monthly, quarterly, yearly or just once, from the month it starts.

Each line can grow or shrink by a percentage every time it repeats, so 3% sales growth a month or a yearly rent rise is one number. The forecast then works out every month: money in, money out, the change and the running balance, drawn as a chart with your lowest point marked. If the balance falls below zero, or below a safety buffer you choose, the tool says exactly when and by how much.

Flip between pessimistic, expected and optimistic scenarios to see the range, export the months to a spreadsheet, and come back later: your plan is saved in this browser and never uploaded.

1. Under “Starting point”, enter the cash in the bank, your currency, the first month and how many months to forecast.
2. Add each source of income with “Add money in” and each cost with “Add money out”: the amount, how often, when it starts and any change each time.
3. Set “Warn me below” to the least cash you’re comfortable holding.
4. Read “Your forecast”: the end balance, lowest point and runway. Tap the chart to see any month.
5. Switch between Pessimistic, Expected and Optimistic, then press “Download CSV” or “Save plan file (.json)”.

• Forecasts of 3 to 24 months, starting from any month.
• Unlimited income and cost lines, each monthly, quarterly, yearly or one-off, with its own start month.
• Growth or decline per line as a percentage each time it repeats, compounded.
• Categories with suggestions (sales, wages, rent, tax…) and a breakdown of totals by category.
• Running balance chart drawn on the page: income and cost bars, the balance line, the buffer and the lowest point.
• Warnings when cash goes below zero or below your safety buffer, with the month and the amount.
• Runway: how many months until cash runs out, or how long it lasts at your average burn.
• Pessimistic, expected and optimistic scenarios with multipliers you can change.
• CSV export of every month and line, plus plan files you can save and reopen.

• Enter money when it actually lands or leaves the account, not when you send the invoice. If clients pay in 30 days, start their income a month later.
• Remember the lumpy costs: quarterly tax, yearly insurance, annual software and equipment. They cause most surprises.
• Use “Change each time” for growth: 3 on a monthly sales line means 3% more each month; −5 means 5% less.
• Keep a buffer of at least one or two months of costs, and set it in “Warn me below” so the chart shows it.
• Update the forecast with real figures each month. A forecast is only as good as its numbers.