Budgeting
Monthly cash flow budget: the month, planned by the day
A monthly cash flow budget combines the discipline of a monthly plan with the precision of a calendar: every bill and paycheck sits on its real date, and the projected balance shows you which days are tight before the month even starts.
- The whole month on one grid
See income, bills and the running balance for every day of the month at a glance.
- Set once, repeats monthly
Recurring bills and salary project into every future month automatically.
- Mid-month troughs flagged
Know on day 1 that day 19 will be tight — and fix it by moving a payment.
- No subscription
The monthly planner is free forever; Pro is a one-time payment.
Why monthly totals hide the problem
A month can balance on paper and still have a week where you cannot pay for groceries. The gap comes from timing — money lands on the 25th and bills cluster on the 1st to the 5th.
A dated monthly budget closes that gap. You see the troughs in advance, move a discretionary payment by three days, and watch the month work on every day instead of on average.
Build your monthly cash flow budget
- Enter this month's starting balance.
- Add recurring income and bills — they repeat into future months automatically.
- Add one-off items: the vet bill, the annual renewal, the trip.
- Review the lowest projected balance and adjust dates where you can.
Frequently asked questions
What is a monthly cash flow budget?
A monthly plan where every income and expense is attached to a date, with a running balance that shows your projected position on each day of the month.
Is it free?
Yes. The calendar, recurring plans and reports are free forever.
Can I use it with irregular income?
It is built for it — each payment sits on its expected date, so lumpy income is handled naturally.
A month that works every day, not on average
Free core, dated planning, no bank feed required.