Whether cash lasts until payday
A positive monthly budget can still hide a cash shortfall. Compare the actual timing of income and spending to find the first projected negative balance.
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Cash flow stress test
Test your budget against late income, lower earnings and higher expenses. A free cash flow planner with a scenario you can share.
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What your cash flow plan shows
How much room you have
Compare available cash with monthly expenses and your reserve target. Investment contributions are recorded as a separate cash outflow, not living expenses.
What happens when conditions change
Reduce income, increase spending or delay a payment. The original plan and stress scenario use the same rules and appear together on the chart.
This model uses aggregated monthly payments. Cash is calculated to the cent. Portfolio returns, taxes, inflation and the order of payments within a day are not assumed. Results depend on your inputs, dates and the completeness of your transaction records.