Cashflow
Set your salary, expenses, savings and loans. Cashflow shows future balances so you can see whether your plans are affordable.
Build your forecast
Accounts keep track of the money, pipes move it between them.
Open any date on the timeline to see the state of the accounts, the profit and the loss.
Change the rules that move the money and see a different version of your future.
Change the conditions, run the calculation again and see how the forecast changes.
Will there be enough in three months? When does the cushion run out? What happens to the balance if expenses grow or income disappears for a while? Cashflow plays the model forward and shows the moment the money stops being enough.
What changes if you take out a loan, increase your expenses or make a large purchase? Change the model and see how much money remains.
Set regular contributions and deposit interest. See your savings on a chosen date and how expenses or early loan repayment affect the result.
How much will a particular account hold in six months, a year or five years? How does the amount change once inflation or a rate is applied? How much is available at any given moment? The model answers that at whatever point in time you pick.
This is not a calculator that answers one question and forgets it. You assemble a model of your own financial reality: where the money sits, how it moves, when the operations happen and what affects them. The model then plays forward, and the state of every account can be read on any date.
Has your salary changed, have you taken out a loan or planned a large purchase? Update the conditions and run the calculation again to see how future balances change.
Build your forecastWhere your money and your obligations sit
Accounts describe where the money is, whom you owe and who owes you. Liquid and illiquid assets, receivables and payables, equity, income and expenses are all kept apart.
The rules that move money
A pipe connects a source to a recipient and defines the movement. The amount can be a fixed sum, a share, an interest rate or a formula that depends on other accounts.
When exactly the operations happen
Every pipe carries its own schedule. Payments can follow different rules, and schedules can be combined with one another or subtracted from one another. The dates are recalculated while you are still setting the model up.
How the value of money changes over time
Inflation and conversion restate amounts under the conditions you choose. You set the coefficients yourself, so this works not only for currencies but for other units of measure as well.
Where your model is supposed to get you
A plan ties a financial goal to your accounts. Set a down payment for a given date or a reserve worth several months of expenses, then check whether the current setup actually gets you there.
One separate version of your financial future
Each flow holds a separate financial model. You can keep several models with different conditions and run a calculation for each.
Cashflow does not stop at a single date. The model computes the movement of money across time, so you can open any moment and see what the accounts were doing right then.
That is how a decision gets tested before it is made. Add an operation or change a rule, run the model again, and the new future is there immediately.
Look at the state of your finances on any date you choose, or at the moment of one particular operation. You can see how much money and how much debt there was and what added up to that result.
Where the money comes from, where it goes and how the movement changes over time. Individual operations can be traced, so it is clear what shapes the future balance.
Balances per account, income, expenses, profit and loss, debt, equity and assets. Every figure is derived from the same assembled model.
The model marks the moments when the available money is not enough for the movements you planned. The gap shows up in advance, and different ways of closing it can be tried out.
Compare amounts as they are and after your coefficients are applied. You can see what a given sum is worth later on, or what it turns into when converted.
Change your expenses, contributions or loan payments and run the model again. See how balances change on the date you choose.
Cashflow suits people whose financial decisions reach beyond today.
See when you will reach your savings target and how much money will remain after the purchase.
Set contributions and interest, account for future expenses and see the result on any date.
Add repayments alongside your income and expenses to see how they affect your future finances.
It earns its keep wherever the financial picture is made of many connected events. Instead of separate calculators and spreadsheets, they go into one model and the result is visible over time.
No. Cashflow runs a complex calculation model inside, but what reaches the screen is plain: accounts, money, balances, income, expenses and debt. You never need the accounting vocabulary.
Yes. The model plays forward and a snapshot can be taken on any date: a few months out, a year, five years or longer.
Yes. Change the conditions in one model or create separate flows. Run their calculations one at a time to see how the conditions affect future balances.
Yes. The model has effects for inflation and conversion. You set the coefficients, so amounts can be restated over time and brought onto whatever scale you choose.
Yes. Movement is described by pipes, and a pipe can carry a fixed sum, a share, an interest rate or a formula based on other accounts. Accruals and top-ups become part of the same model.
Set your income, expenses and financial commitments. See how much money remains and how your decisions affect the future result. Cashflow is free to use.
Build your forecast