See where your money goes, compare your current budget with future cash needs, and plan for payment dates before cash runs short.
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How to use your results
Start with take-home income and the payments you make from cash or checking. Choose Monthly snapshot for income minus payments, Simple cash plan for constant monthly totals and starting cash, or Detailed household plan for payment dates, growth and changes. A positive monthly total does not guarantee enough money on every payment date.
Method and limits
Closing cash equals starting cash plus receipts minus payments. This calculator uses nominal U.S. dollars. The simple plan estimates month-end cash only; the detailed plan nets transactions on the same day. It does not calculate taxes, borrowing, investment returns, loan amortization or bank clearing order. Growth assumptions are your estimates. Results are planning estimates, not a guarantee of funds.
Entries stay in this page and are lost when it closes or reloads. Downloaded files contain your entries. Budgeting reference: CFPB cash-flow budget worksheet. Method B01-2.3.3.