Forecasting
Cash flow planner: the dated view spreadsheets cannot give you
A cash flow planner is only as good as its timeline. Monthly totals hide the real problem — rent lands on the 1st, the invoice clears on the 12th, and the 9th is the day you run dry. A dated planner shows that day before it arrives, so you can move a payment instead of reacting to a bounced one.
Try the free cash flow planner
- Every item has a date
Income and bills sit on the day they happen, with a running balance carried forward automatically.
- Finds the low point
The projection flags the first day your balance goes negative and how deep the dip goes.
- Recurring items project forward
Enter rent or a retainer once and it appears on every future month without re-entry.
- Free core, one-time Pro
No subscription wall. The planner, recurring plans and reports stay free forever.
What a dated planner catches that a monthly one misses
A monthly budget asks "does this month work?" A dated cash flow planner asks "does this month work on every single day?" The second question is the one that keeps you out of overdraft, because the answer is frequently no even when the month looks fine on paper.
Enter your starting balance, add the bills and income you already know, and the running balance shows you the exact dates where your buffer disappears. That is the whole discipline — and it takes minutes to set up.
Build your planner in three steps
- Set your starting balance to what is really in the account today.
- Add recurring income and bills — salary, rent, subscriptions, loan payments — once, with dates.
- Add the one-off items you know about: invoices, tax set-asides, travel.
Planner vs. spreadsheet
| Spreadsheet planner | Cashflow Calendar | |
|---|---|---|
| Setup time | Build formulas first | Add items with dates, done |
| Recurring items | Manual copy each month | Enter once, projects forever |
| Low-point detection | Manual scan | Flagged automatically |
| Mobile access | Desktop only | PWA, works offline |
Frequently asked questions
What is a cash flow planner?
A cash flow planner lists expected income and expenses on the dates they occur and projects your running balance forward, so you can see exactly which days your account will be tight.
Is the planner free?
Yes. The calendar, recurring plans and reports in Cashflow Calendar are free forever, with Pro as a single payment rather than a subscription.
Do I need to connect a bank?
No. You enter your starting balance and what you know is coming — no aggregator, no credentials.
A planner that knows what day it is
Free to start, no bank linking, and the first negative day flagged before it happens.