About Forecast My Cashflow
A free, educational, and privacy-focused tool to help you understand and plan your personal finances. No financial advice, no data collection, no signup.
Our Mission
We believe everyone should have access to simple tools for understanding their financial future. Forecast My Cashflow was created to demystify cashflow forecasting and make it accessible to anyone, regardless of their financial background.
Our goal is to provide a straightforward, educational tool that helps individuals visualize their income and expenses over time. We want to empower you to ask 'what if' questions about your money and see potential outcomes - all without needing expensive software or professional services.
Our Story
Forecast My Cashflow started as a simple side project for a small team of developers and financial enthusiasts who were tired of complex spreadsheets and privacy-invasive budgeting apps. We wanted a tool that was fast, worked entirely in the browser, and didn't require sharing bank passwords or personal data.
Since 2024, we've evolved from a basic calculator to a multilingual educational platform, helping thousands of users worldwide model their financial futures with confidence.
Why Cashflow Forecasting Matters
Understanding your cashflow is one of the most fundamental aspects of personal financial awareness. Here's why it matters:
Avoid Surprises
By projecting income and expenses forward, you can spot potential shortfalls before they happen. This gives you time to adjust spending, build reserves, or plan for additional income.
Make Informed Decisions
Should you make a large purchase now or wait? Can you afford that subscription? Seeing your future balance helps you make decisions with more confidence.
Reduce Financial Stress
Uncertainty about money is stressful. Having a clear picture of what's coming in and going out can reduce anxiety and help you feel more in control.
Plan for Goals
Whether saving for a vacation, building an emergency fund, or planning a major purchase, forecasting shows you when you'll reach your targets.
What This Tool Does
This site provides a browser-based calculator that lets you forecast cashflow month by month, compare scenarios, and export results. It is designed for individual use, personal planning, and education - not as a regulated financial service.
Key Features
Month-by-Month Projections
See exactly what your balance might look like each month based on your income and expenses.
Multi-Currency Support
Handle income or expenses in different currencies with customizable exchange rates.
Scenario Comparison
Create best, base, and worst case scenarios to understand the range of possibilities.
100% Private
All data stays in your browser. We never see, store, or transmit your financial information.
No Account Required
Start using immediately - no signup, no email, no personal information needed.
Export Your Data
Download your forecast as CSV for use in spreadsheets or for your records.
Who This Tool Is For
Individuals & Households
Anyone managing a personal or family budget who wants to see beyond the current month.
Freelancers & Contractors
People with variable income who need to plan for lean months and manage cash reserves.
Students & New Earners
Those learning to manage money for the first time and wanting to build good habits.
Expats & Remote Workers
People earning in one currency while spending in another who need to track multiple currencies.
What We Don't Do
- We do not provide financial, investment, tax, or legal advice of any kind.
- We do not store, access, or have any way to view your financial data.
- We do not sell your personal information or data to third parties.
- We do not require accounts, signups, or the collection of unnecessary personal details.
- We do not guarantee the accuracy of future forecasts; they are purely educational estimates.
100% Privacy & Data Security
Your data stays on your device at all times. We do not sell, share, or transmit your financial information. We use minimal, anonymous analytics only to improve the site's performance.
Contact
Questions or feedback? Email us at info@forecastmycashflow.com.
Frequently Asked Questions
What is cashflow forecasting?
Cashflow forecasting is estimating future income, expenses, and balances to understand upcoming financial periods. It helps you see if you'll have enough money for your needs and when.
Does it store my data?
Your data is stored locally in your browser using localStorage. This means it stays on your device - we never see it. You can clear it anytime through your browser settings.
Are results financial advice?
No. Results are estimates for educational and personal budgeting purposes only. They should not be treated as financial, investment, tax, or legal advice. Always consult qualified professionals for financial decisions.
How do currencies work?
Choose a base currency and enter items in their currencies. The tool converts using the exchange rates you set. You can customize rates in the Exchange Rates section.
How accurate is the forecast?
Accuracy depends on your inputs. The tool makes simple projections based on what you enter. It doesn't account for unexpected events, market changes, or other variables. Treat it as a guide, not a guarantee.
Can I use this for my business?
This tool is designed for individual personal use. Businesses have different requirements including invoicing, accounts receivable, taxes, and compliance that this tool doesn't address.
Learn More
Explore our guides and educational content:
Ready to take control?
Start forecasting your cashflow today - no signup required.