⚠ No data is saved. Nothing you enter is stored, uploaded, or remembered — refreshing or closing this page clears everything. Keep a copy of your numbers elsewhere if you want them again later.
📱 Works on mobile, but this is a table-heavy tool — it's easiest to read and fill in on a desktop or tablet screen.
Household Cash Flow · 12-Month Ledger
Budget Forecast
Projects income, expenses, and emergency savings month by month to flag when essentials outpace what's coming in.
01 Starting point
Set the month you want the forecast to begin and your current numbers. Everything below recalculates live.
02 Income changes
Add raises, bonuses, contract-end dates, or extra income tied to a specific month. Skip this section if income is flat for all 12 months.
Description
Amount
When
03 Expenses
Add fixed monthly costs, your average monthly variable spend (groceries, utilities, gas), and irregular one-time costs. Mark each as Essential if it's non-negotiable (housing, food, insurance, minimum debt payments) — this is what the shortfall check is measured against.