Cash-Flow Forecaster

Not a budget. A forecast. Your known bills, your pay dates and today's balance become a projected balance for each of the next ninety days, and one clear answer to the question you actually have at the checkout.

Setup takes today's balance, how you are paid, your paycheck and the floor you never want to go under. Bills takes the knowns: monthly ones by due day, one-offs by date. Then you type the purchase you are wondering about, what it costs and when you would buy it.

WHAT'S INSIDE

Dashboard - the low point, the answer, and the ninety-day curve

Start Here - how the file works and which cells are yours

Setup - today's balance, how you are paid, your floor, the purchase

Bills - the knowns, monthly by due day and one-offs by date

Projection - every day of the next ninety, one row each

Answer - yes or not yet, and the day it bottoms out

THE PART NOBODY ELSE BUILDS

It projects by actual pay dates rather than by month. Paid every two weeks, your months never line up with your bills, and twice a year a month holds three paychecks. Forecasting by calendar month hides both facts. Here the tight week before payday and the spare third check show up where they really fall, and the Answer tab names the day your balance bottoms out rather than handing you a monthly average to interpret.

WHAT YOU GET

Excel workbook (.xlsx)

Google Sheets template - one click to copy

Setup instructions (PDF)

Free updates for life

BEFORE YOU BUY

Works in Microsoft Excel 2016 and later, and in Google Sheets. No bank connection and no imports; you type the balance. There are no categories, no investment tracking and no retirement maths in this file. Ninety days, one question. Digital download, all sales final.