Cash Flow Management
Cash flow tools — weekly forecasts, bill optimization, income smoothing, overdraft prevention, and quarterly tax planning.
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Weekly Cash Flow Forecast
Project your bank balance week by week for the next 4 weeks. Spot potential shortfalls before they happen and plan around large upcoming expenses.
Bill Calendar Optimizer
Smooth your cash flow by understanding how bills align with your pay schedule. Find the optimal reserve amount and daily spending allowance.
Account Waterfall
Model how your income flows into different accounts. Set percentage-based allocations for bills, savings, investing, and discretionary spending.
Overdraft Prevention
Calculate the minimum checking account balance you should maintain to avoid overdraft fees. Factor in pay timing, bills, and daily spending.
Annual Cash Flow Map
See your full-year cash flow picture including quarterly and annual expenses. Identify your worst months and average monthly net income.
Pay Yourself First
Calculate your automatic savings transfers before bills and spending. Set targets for emergency fund, retirement, and other goals, then see what remains.
Float Management
Optimize payment timing to maximize interest earned. Use credit card grace periods and high-yield savings to earn more on your money between paychecks and bill due dates.
Income Smoothing
Convert irregular or variable income into a stable monthly salary. Enter 6 months of income to calculate a safe baseline and required buffer fund.
Quarterly Tax Set-Aside
Calculate how much to set aside from freelance or self-employment income for quarterly estimated tax payments. Covers federal, self-employment, and state taxes.
Cash Reserve Ratio
Determine the optimal split between cash reserves and invested assets based on your income stability, expense volatility, and risk profile.