# Cash-flow forecaster — project your balance, no upload

> Forecast your future balance from income and recurring expenses to spot shortfalls before they happen. Runs in your browser, no upload. Informational only.

Project your account balance forward from expected income and recurring expenses, so you can spot a shortfall before it arrives. The forecast runs on your device and is informational, not advice.

Running out of money mid-month is usually a timing problem, not an income problem. A cash-flow forecast lays your income and bills on a calendar so you can see the low points and move things around before they cause an overdraft.

Feed it real figures from the Statement analyzer, pair it with the Budget builder, and track the recurring bills that shape it with the Subscription tracker.

## How to

1. **Set a starting balance.** Enter your current balance.
2. **Add income & bills.** List recurring income and expenses with their dates.
3. **Read the forecast.** See the projected balance and any dips below zero.

## FAQ

### What does a cash-flow forecast show?

Your projected balance over time based on scheduled income and expenses, highlighting the days when the balance is lowest or goes negative.

### How far ahead can I project?

As far as your recurring items support — typically weeks to months — which is enough to plan around a tight period before it happens.

### Is this financial advice?

No. It's a projection from figures you enter; unexpected costs aren't included, so keep a buffer.


## Related tools

- [Budget builder](https://www.safepaper.app/finance/budget-builder)
- [Import & analyze](https://www.safepaper.app/finance/statement-import)
- [Subscriptions](https://www.safepaper.app/finance/subscription-tracker)
- [Net worth](https://www.safepaper.app/finance/net-worth)

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