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📊 Household Cash Flow Forecaster

See exactly what your bank balance will look like every week for the next 12 months — and catch the months you'll run short before they happen.

💡 What does this tool do?

Most budgeting apps show you what you already spent. This one shows you what your bank balance will look like every week for the next 12 months — based on the income, EMIs, SIPs, subscriptions, and one-off big-ticket expenses you know are coming.

Think of it as a cash flow forecast for your household — the same tool a CFO builds for a business, but for your family.

👤 Who is this for?

  • Salaried Especially if you have EMIs + SIPs + lumpy annual outflows (insurance, school fees, taxes)
  • Freelance / Business If your income varies month to month and you need a runway view
  • Homemakers Planning the household kitty around known family events
  • Retirees Living off FD interest + pension, want to see how long the corpus lasts
  • Anyone saving for a goal or wondering "will I have enough by December for X?"

📝 How to use it (5 simple steps)

  1. Open the 🧮 Forecaster tab.
  2. Enter today's cash — combined balance across all your bank accounts. This is where your forecast starts from.
  3. Add money coming in — salary, spouse's salary, rent received, freelance work, dividend, FD interest. Pick how often (monthly / quarterly / annually) and when.
  4. Add money going out — rent/EMI, SIPs, insurance premiums, subscriptions, school fees, credit card, household expenses.
  5. Add one-off big items — car insurance in Feb, school annual fee in April, advance tax in September, Diwali expenses in November, planned wedding gift, etc. This is where most people's cash gets pinched — and where this tool earns its keep.

Your forecast — with a live chart, red-zone warnings, and month-by-month table — appears at the bottom. Play with the sensitivity sliders to see "what if I get a 10% raise?" or "what if I add a ₹25K EMI?"

💾 Your data stays with you

Everything runs in your browser. Nothing is uploaded, nothing is saved on any server. Your data auto-saves to your browser's local storage — refresh the page and it's still there. You can also export as a file (paid version) and load it back later, or share with your spouse.

🚀 Ready?

Tap the 🧮 Forecaster tab above. Or if you'd like to see it in action first with sample data, use the "Load sample family" button on that page — it fills in a realistic Mumbai household so you can see how the forecast reads.

💰 Where you are today

💵 Money coming in

Salary, spouse's salary, rent, freelance, dividends, FD interest — anything recurring.

💸 Money going out

Rent, EMIs, SIPs, insurance, utilities, subscriptions, school fees, household expenses.

📅 One-off outflows

Big known expenses on specific dates: annual insurance premium, school annual fees, advance tax, festival spend, planned wedding gift, trip, etc.

🎁 One-off inflows (optional)

Bonus month, tax refund, FD maturity, gift received, expected sale proceeds.

📧 You're using the free preview

Showing only a 3-month forecast with up to 3 rows per section. Two ways forward:

Free with email
Unlimited rows in the 3-month preview. Try the full row-building experience.
Full version — ₹150
12-month forecast + sliders + save/load + PDF, as an offline HTML file forever.
Buy full →

📈 Your 12-month forecast

Projected closing balance in 12 months
₹0
Savings run rate: —
—Lowest projected balance
—Lowest point occurs in
—Total inflows (horizon)
—Total outflows (horizon)

💬 Insights

📅 Month-by-month view

MonthOpeningInflowsOutflowsNetClosing

🎚️ What if…