Cash & budgets · Save on your device
90-day cash-flow planner
Map money in and out by week. Spot cash shortfalls before they arrive.
Optional local saving. Figures are not uploaded or synced. Anyone using this browser profile can load them; clearing browser data removes them.
Start with your usual week
Replaces collections and regular outflows below; keeps extra payments. The final period is six days, prorated when applying weekly amounts.
Projected cash on day 90
$19,429All projected period-end balances stay above your entered cushion.
- Lowest period-end / starting cash
- $16,000
- Extra cash to maintain cushion
- $0
- Planned collections
- $77,143
- Planned outflows
- $77,714
Your 90-day cash budget
Change the week when money will actually arrive or leave. Include payroll, debt principal, taxes and draws. The example includes a $7,000 extra payment in week 6; replace it. Do not count one expense in both outflow columns.
| Period | Collections | Regular outflows | Extra payments | Closing cash | Above cushion |
|---|---|---|---|---|---|
| Week 1Sep 28–Oct 4 | $20,500 | $10,500 | |||
| Week 2Oct 5–Oct 11 | $21,000 | $11,000 | |||
| Week 3Oct 12–Oct 18 | $21,500 | $11,500 | |||
| Week 4Oct 19–Oct 25 | $22,000 | $12,000 | |||
| Week 5Oct 26–Nov 1 | $22,500 | $12,500 | |||
| Week 6Nov 2–Nov 8 | $16,000 | $6,000 | |||
| Week 7Nov 9–Nov 15 | $16,500 | $6,500 | |||
| Week 8Nov 16–Nov 22 | $17,000 | $7,000 | |||
| Week 9Nov 23–Nov 29 | $17,500 | $7,500 | |||
| Week 10Nov 30–Dec 6 | $18,000 | $8,000 | |||
| Week 11Dec 7–Dec 13 | $18,500 | $8,500 | |||
| Week 12Dec 14–Dec 20 | $19,000 | $9,000 | |||
| Week 13Dec 21–Dec 26 | $19,429 | $9,429 |
Timing and saving your plan
The forecast covers exactly 90 days in 12 seven-day periods and one six-day period. It checks starting and period-end balances; a bill can still arrive before a receipt within the same week. It is not a guarantee against overdrafts. Opening + collections − regular outflows − extra payments = closing cash.
Only the figures in the table drive the forecast. Applying typical amounts updates the table; editing typical amounts alone does not. Saved plans retain their original start date. Load and update the dates and amounts before reusing an old plan. This is a browser-local planning draft, not bookkeeping or a bank connection.