Business Apostle Cashflow Planner

Know where your money goes—and whether it will last.

See where your money comes from, where it goes, and whether it will last until the next income arrives. A monthly budget tells you the totals. This tells you the timing: which day the balance dips, how long the dip lasts, and what would change it.

• Free to use
• No bank login required
• Plan the next 4–12 weeks

How it works

1. Add the cash you have. The money available to you today, minus anything already promised elsewhere.
2. Schedule the money. Every inflow and outflow on the date it actually happens, with how often it repeats.
3. See the timing gaps. A daily running balance shows the first tight day, the lowest point, and what a single change would do.

Set up your plan

Six short screens. You can change any of this later.

Money coming in

Add every inflow you expect between and .

Fixed commitments

Bills with a date attached: rent, utilities, school fees, minimum debt payments, insurance, giving.

Flexible spending

Spending without a fixed date. Set a limit per week or per month and the plan will place it on the calendar for you.

Future costs and allocations

Savings, investments, extra debt payments, annual bills and money you are setting aside for something dated.

Allocations and periodic costs

Sinking funds

A sinking fund is money put aside a little at a time for something with a date on it — school fees, a rent renewal, an insurance premium.

Review your plan

Everything you have entered, grouped. Anything worth a second look is flagged.

Your cash-flow overview

Next three in and out

Three things you could do

Review opportunities

Places where the plan may have room. Nothing here is a judgement about what you spend on.

Agenda

Every dated movement, in order, with the balance after each day.

Plan by category

Planned, recorded and remaining, grouped the way the money is actually used.

Scenario Lab

Try a change here and nothing in your plan moves. Every scenario runs on a copy.

Small Change

My Plan

Side by side

Reports and sharing

Private report

A full report of this plan, laid out for paper. Your browser's print dialogue can save it as a PDF instead of printing it.

Spreadsheet export

Every dated movement with its running balance, as a CSV file you can open in Excel, Google Sheets or LibreOffice.

Text you typed that begins with =, +, - or @ is exported with a leading apostrophe so a spreadsheet treats it as text rather than a formula.

Public card

A picture you can post or send. It carries a broad status and nothing else — no amounts, no balances, no bill names, no dates.

• Excluded: your name, income and expense amounts, opening and ending balances, bill names, creditor names, due dates, the shortfall amount and its date, and any account label.

Privacy

What this tool never does

• It never connects to a bank and never asks for a bank login.
• It never writes your figures to browser storage, a cookie, the web address or a server.
• It never pays a bill for you.
• It never assumes an expected payment will arrive.
• It never promises that a creditor or service provider will change a bill date.
• It never suggests skipping an essential bill or a required minimum debt payment.

Analytics

No analytics vendor is connected. The code contains a disabled event function that can only ever emit an event name from a fixed list — no amount, date, category or label can be attached to it.

Educational use only