Based on categories named saving or investing.
Cash flow planner
See where your money actually goes.
Turn income and expenses into a living money map. Wider bands represent larger amounts, making trade-offs and gaps easier to spot.
Map my cash flow
Stored on this device
Build your money map
Income in. Expenses out. Clarity in between.
Use take-home income so the result reflects cash that actually reaches you. Change any label or amount to match your life.
Monthly cash flow
Balanced
How your money moves
Total income$0
Total expenses$0
Surplus$0
Add an income or expense amount to build your map.
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Add expenses to compare categories.
Income and expenses are equal.
Expense breakdown
Share of expensesRead the map
Three useful signals in one picture
A cash-flow map is not a judgment. It is a snapshot that helps you decide what deserves attention first.
Band width shows priority
Start with the widest band before trimming many tiny categories. If housing is $1,650 a month, a 5% change frees about $83 without requiring ten smaller cuts.
Saving is a planned outflow
Give saving and investing their own category instead of hoping money remains. A planned $300 monthly transfer becomes $3,600 directed toward your future each year.
A shortfall needs a funding source
A $200 monthly gap becomes $2,400 over a year. The map makes that pressure visible so you can choose between lower costs, more income, reserves, or borrowing.