One recurring change, two possible paths
Imagine a starting balance of €1,000. Every month, you expect €2,300 of income, €1,900 of bills and other spending, and a €250 savings allocation. What might be left after six months if those totals stay the same?
Now imagine a regular bill increases monthly spending by €200, to €2,100. The second scenario changes only that monthly spending total. These numbers are illustrative, not actual customer results or a prediction.
Assumptions you can copy
| Input | Baseline | Higher bill |
|---|---|---|
| Opening balance | €1,000 | €1,000 |
| Monthly income | €2,300 | €2,300 |
| Monthly bills and spending | €1,900 | €2,100 |
| Monthly savings allocation | €250 | €250 |
The baseline changes by €2,300 − €1,900 − €250 = +€150 each month. With the higher bill, the change is €2,300 − €2,100 − €250 = −€50 each month. Savings is treated as money set aside, so it reduces the available balance in both cases.
The six-month comparison
For each month, add that scenario’s monthly change to the previous month-end balance. The first month begins at €1,000.
| Month | Baseline end | Higher-bill end | Gap |
|---|---|---|---|
| 1 | €1,150.00 | €950.00 | €200.00 |
| 2 | €1,300.00 | €900.00 | €400.00 |
| 3 | €1,450.00 | €850.00 | €600.00 |
| 4 | €1,600.00 | €800.00 | €800.00 |
| 5 | €1,750.00 | €750.00 | €1,000.00 |
| 6 | €1,900.00 | €700.00 | €1,200.00 |
After month six, the baseline estimates €1,900.00. With the higher monthly bill, it estimates €700.00. The €1,200.00 gap comes from an extra €200 every month for six months.
Try the numbers with your own plan
Open the free Future Cash Flow Calculator, enter the baseline numbers above, and set the forecast to six months. It shows one scenario at a time. Change monthly bills and spending from €1,900 to €2,100 to see the second path, then substitute your own amounts.
The calculator applies the same monthly totals throughout the horizon. It does not model one-off expenses, the dates bills or income arrive, interest, or tax. An unentered cost would lower the balance; a positive month-end estimate cannot tell you whether cash runs short earlier in that month.
If you need to plan with your own budgets and recurring payments over time, explore Spendly Budget forecasting and check the feature’s plan availability. The public calculator’s inputs are not transferred into an account.
Ready to enter a longer-term plan in Spendly Budget? Create a free account and add your figures there separately.