Family Cash Flow Forcaster

Cash-flow forecasting, paycheck planning, bills, goals, savings transfers, and trip planning.

Install on iPhone

Open this site in Safari, tap Share, then tap Add to Home Screen.

Quick add one-time

Add a one-off bill, deposit, purchase, or adjustment directly to the forecast.

Available checking
$
Available now · Paid and Received actions update this automatically.
Savings
$
Tap the outlined balance to update savings.
Next paycheck
$
· Tap the outlined amount to update regular pay.
Lowest projected balance
Safe extra today
Above your selected floor
SpotMe / overdraft protection
Remaining protection · always shown as a negative buffer

Checking & savings

For a quick checking correction, tap the Current checking total below. Use this section when you also need to change savings, the balance date, or move money between accounts.

Move savings → checking Enter any amount you want. That amount is deducted from savings and added to checking.

Balance forecast

Quarterly windfalls remain excluded by default.

Scenario settings

Choose what the forecast includes, then edit the amounts that drive those scenarios.

Forecast modes
Include quarterly windfall
Include optional subscriptions
Include vacation / trip plan
Include big-ticket purchases
Quarterly windfall
This is the single windfall source used by Forecast. Goals can optionally allocate it.
Planning modes
Safety limits

Forecast ledger

DateItemTypeAmountBalanceActions

Paycheck Planner

Plan bills across one pay period or a longer window. Future income inside the selected window is included automatically.

Paycheck summary


Allocation result

Build a plan to see the projected balance after each selected payment and future deposit.

Suggested allocations

Applying updates these existing forecast occurrences. It does not create duplicate bills.

Autopay Watch

Recurring charges you want the planner to watch for. “Missing from plan” means the charge is not currently represented by a matching forecast bill.

Red-zone rescue plan

If the forecast goes below $0 before the next paycheck, this recommends only bills due by the red-point date that could actually be moved to the next paycheck to get back above $0—or above your protected floor.

Trip / Vacation Planner

Start with a blank trip template. Edit any name, amount or date, add or remove rows, and move things around freely. Nothing changes the household forecast until you tap Adopt this plan.

PLANNING SANDBOX
Planned total
$0.00
All planner rows with amounts
Adopted into forecast
0
Valid dated items currently affecting cash flow

Trip expenses

Names, amounts and charge dates are all editable. The row order is just for planning; the actual forecast always uses the charge dates.

ItemAmountCharge dateUse existing household reserve?Paid / already out?Move

Try it against the household forecast

Nothing on this page affects the forecast until you adopt it. After adoption, changes here sync to the household forecast automatically.

Big Purchase Planner

Plan furniture, appliances, repairs, electronics, or other larger household needs here first. The linked goal updates while you plan; the forecast changes only after you adopt the plan.

PLANNING SANDBOX
Planned total
$0.00
Synced to Goals
In forecast
0
Adopted dated items

Planned purchases

Names, amounts, dates, and row order are editable.

ItemAmountExpected charge dateMove

Try it against the household forecast

Adopt the plan when you want to see these purchases in Forecast, Paycheck Planner, and Timeline.

Bills and recurring items

Active recurring items only. Edit any detail here; “End recurring” stops future occurrences while keeping past Timeline history.

Add recurring item

Timeline

Your historical ledger. Once something is Paid, Received, or Reconciled, it leaves Forecast and is recorded here.

Your most practical view: the reconciled balance, then every projected deposit and payment in order.

How planning works

Build your Vacation / Trip and Big Purchase plans first — those planner totals automatically become your linked goals. If you expect a bonus or other windfall, define it on the Forecast page. Then use Goals to optionally decide how much of that windfall you want to put toward each goal. You do not need a windfall to use the planners or goals.

Goals

Vacation and big-purchase targets come from their planners. Their progress shows what has actually been paid.

Windfall allocation

Optional. The windfall amount and date come from Forecast; this only plans how you would allocate it.

Use allocation plan

Core settings

Everything is stored in this browser. Export a backup before clearing browser data or moving devices.

Advanced / data controls

Reset starts the app over on this device. It clears bills, payment history, moved/skipped items, one-time items, goals, and other planning changes.

Reset keeps only your income setup, current reconciled balance/date, preferred floor, and SpotMe limit.

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