Why We Built Cashflow Forecasting

A budget tells you what you plan to spend this month. A cashflow forecast tells you where your bank balance is heading. That matters because a lot of money stress comes from timing: a large bill landing before payday, an annual subscription you forgot about, or a quiet month arriving just before a big payment.

Cashflow looks ahead 6 weeks, 13 weeks or 12 months. It names the lowest point your balance is likely to reach and the date it gets there, so a squeeze shows up weeks in advance. Nobody knows the future exactly, so it also gives a range in plain words, such as "In 9 of 10 futures you stay above" a given amount on a given date.

The forecast covers the money coming in and going out of your accounts. It does not model tax. For your tax position, see Tax intelligence, and for more on the forecast itself, see cash flow forecasting.