Forecast your income and expenses
Cashflow is a tool for predicting your finances. You describe where money comes from, where it goes and on what schedule — then it plays the whole thing forward and tells you what your balances will be on any date you name.
Instead of a static table of numbers, you build the machine that produces them. Change your salary, push a loan payment two months out, add a client who pays late, and the entire forecast recalculates — including the parts you would have forgotten to update by hand.
Under the hood it runs a real double-entry accounting engine, which is why the numbers reconcile. On screen you never see a debit or a credit: just accounts, transfers and dates.
Launch CashflowEverything in Cashflow is made of these. Once they click, there is nothing else to figure out.
Everywhere your money sits or is owed.
A salary card, a deposit, a mortgage, an unpaid invoice from a client — each becomes an account. Cashflow keeps them typed, so it knows the difference between money you hold, money you owe and money owed to you, and can total them separately later.
The rules that move money between accounts.
A pipe connects a source account to a target one and answers two questions: when the money moves, and how much. The amount can be a fixed sum, a share, or a value derived from other accounts — which is how "put 20% of whatever lands on the card into savings" becomes a single object rather than a spreadsheet formula.
Timing that matches how payments really land.
Every pipe carries a schedule, and schedules combine. You can stack several together and then subtract one from another, so "on every payday, except during holidays" is an ordinary setup. The resulting dates are calculated and shown to you while you edit, before anything is simulated.
Forces that change what money is worth.
Inflation and currency conversion live here. An effect adjusts how amounts are interpreted over time, with coefficients you control — flexible enough that you can treat almost any unit as a currency and watch the model recalculate around it.
The targets you are actually aiming at.
A plan ties a goal to your accounts: a down payment by a certain date, a reserve worth six months of expenses. Once the forecast runs you can see whether the flow you built actually gets you there, and when.
One complete version of your finances.
Everything above lives inside a flow. Build a second flow and it is fully independent — different accounts, different rules, different assumptions. That is how you keep an optimistic plan and a cautious one side by side instead of overwriting one with the other.
When the board is set up, one button computes the whole future: every transfer, every effect, every resulting balance. The answer is not a single number at the end — it is the complete state of your finances at each point along the way.
The result plays back on a timeline. Drag to any date and the accounts show what they held that day. Step to an individual operation and you can watch that one transfer light up the pipe it travelled through, and see exactly which balances it moved.
A line on a chart is not an answer. These are the readings people actually act on.
The moments a balance would drop below zero. This is usually the first thing people look for: not whether the year ends well, but whether there is a week in March where the rent does not clear. Cashflow marks every one of them on the timeline.
Totals grouped the way finance actually works: liquid assets, illiquid assets, receivables, payables, equity, income and expenses. You get turnover per account too, so you can see which ones do the heavy lifting and which barely move.
A balance five years out is not worth what the number says. Apply inflation, or convert into another currency, and the same forecast is restated in terms you can actually judge.
Run two flows and put them next to each other. You can also diff any two points in time within one forecast, which answers the practical question: what exactly changed between June and December, and which pipe caused it?
Investors modelling contributions and withdrawals. Business owners checking whether a hire or a loan breaks the runway. Analysts who are tired of rebuilding the same spreadsheet. People planning early retirement, a mortgage, or simply a year that does not end in a surprise.
If your finances fit in your head, you do not need this. If they do not, that is exactly the gap Cashflow fills.
No. Cashflow runs a full double-entry accounting engine under the hood, but the interface never shows you accounting terminology — you work with accounts, transfers and schedules in plain language.
Yes. Each independent setup is a "flow" — create as many as you like and compare their forecasts side by side to pick the best one.
The simulation returns a snapshot for every date and for every individual operation, so you can inspect the exact moment a transfer happens, not just end-of-day totals.
Cashflow is available to try directly in your browser, without installing anything.
A spreadsheet stores numbers; Cashflow models the rules that produce them. Schedules, effects and relationships between accounts are first-class, so changing one assumption updates the entire forecast.
Yes. The same entities cover payroll, receivables, payables and revenue streams, which is why analysts and business owners use it alongside individuals.
Sketch your accounts in a few minutes and run the first simulation the same session.
Launch Cashflow