Cash flow
Every payment in order, on the day it leaves, with the running balance after each one. The day an account goes short shows up while there is still time to move money.
Cash flow
Waiting for a day
1Dentist
€ -260
Date not known yetStarting balanceJoint / Everyday€ 2.180After every payment below: € 1.680
| Day | Payment | Which account pays | Amount | Balance after |
|---|---|---|---|---|
| 29 aug | ||||
| 29 aug | RentPlannedRegular expense | Joint / Everyday | € -1.450 | € 730 |
| 1 sep | ||||
| 1 sep | SalaryPlanned | Joint / Everyday | € +2.450 | € 3.180 |
| 2 sep | ||||
| 2 sep | Car insurancePlanned | Joint / Everyday | € -1.320 | € 1.860 |
| 3 sep | ||||
| 3 sep | EnergyPlannedRegular expense | Joint / Everyday | € -180 | € 1.680 |
What this screen does
- The running balance
- Each row carries the balance after it, and the figure turns red from the moment it goes negative. That red streak is the whole point of the sheet.
- Move a date
- Drag a payment to a different day and every balance after it moves with it. Nothing about the amount changes — only when it leaves.
- Transfers
- Money moved between your own accounts is one act, not spending in one place and income in another.
- One-offs and undated items
- A payment with no date yet still sits in the sequence rather than being hidden until you name a day.
The sheet, with the arithmetic done for you
This is the cashflow tab of a spreadsheet, kept honest: opening balances at the top, payments in sequence below, and the running balance beside each row. The difference is that moving a payment to a different day recalculates everything under it, and the balance turns red the moment it goes negative rather than the moment you notice.
Next to it in the app
See it with your own numbers.
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