What could my balance look like in the months ahead?
See your projected month-end balance, total change, and first month below zero across a 1–12 month outlook.
Calculate future cash flowFree planning tools
Start with a question. Leave with a clearer number.
Use a quick calculator to explore your next financial decision. Get an estimate before creating an account.
Explore available toolsAvailable now
Choose a useful starting point
Every tool listed here is ready to use for free. Your calculator inputs stay on the calculator page and are not saved to an account.
Planning
How much of this month's income can I still allocate?
Make a monthly plan for expenses and savings, then see your remaining balance and each category's share of income.
Plan a monthly budgetWhat would a 50/30/20 split look like for my income?
See exact monthly targets for needs, wants, and savings, with an optional comparison to your current amounts.
Try the 50/30/20 guidelineWhat might be left after my upcoming bills?
Compare your balance and expected income with known bills and a safety buffer over a period you choose.
Estimate safe to spendSaving
How much would I need for my emergency fund?
Choose your own months of essential expenses, see the target and gap, and estimate when contributions could close it.
Explore an emergency fund scenarioWhen could I reach a savings goal?
Estimate the months needed at your chosen contribution, or the monthly amount needed by a deadline.
Calculate a savings goalWant to understand the bigger picture?
Read how Spendly Budget forecasting connects income, bills, and savings to future months.
Explore budgeting resources