Household
Family cash flow: the household's money, dated and projected
A family's cash flow is more complex than a solo one — multiple incomes, term costs, activities, holidays — but the principle is the same: money moves on dates. Family cash flow planning dates everything and projects the household balance, so the tight months are known in advance.
- The household calendar
Both incomes, all bills, term costs and holidays on one grid.
- Tight months visible
The projection flags the months the household balance will strain.
- Term costs repeat
School fees and activities project by term automatically.
- Free core
The projection and calendar are free forever.
The family cash calendar
Put both paydays on the calendar, then the fixed rhythm — rent, utilities, school fees, activities — as recurring items. Add the variable layer. The result is a twelve-month projection showing the household's true shape: the heavy months, the light ones, the buffer required.
Family cash flow levers
- Align big bills to the month with the most income
- Fund term costs — school fees, activities — with sinking funds
- Build a one-month family buffer
- Review the projection monthly as a household
Frequently asked questions
What is family cash flow?
The dated movement of money in and out of a household — incomes, bills, term costs and goals, projected forward.
How is it different from a family budget?
A budget plans the amounts; cash flow plans the timing — which days and months the money actually moves.
Is it free?
Yes — the projection and calendar are free forever.
The household, projected by date
Free core, one-time Pro, no bank linking.