Free planning tool
Future cash flow calculator
See a simple estimate of your balance at the end of each month. Adjust the amounts below to update your own 1–12 month outlook. No account needed.
Your monthly plan
Amounts are in euros. Enter non-negative monthly totals; your opening balance may be negative. Results update as you type.
Your balance before month 1.
Treated as money set aside, so it reduces the projected available balance.
Your amounts stay in this browser page. They are not saved or included in analytics.
Projected balances
Illustrative example — edit any amount to see your outlook update.
Balance after month 6
€3,900.00
Total change
€2,100.00
No projected month ends below zero.
| Month | Ending balance |
|---|---|
| Month 1 | €2,150.00 |
| Month 2 | €2,500.00 |
| Month 3 | €2,850.00 |
| Month 4 | €3,200.00 |
| Month 5 | €3,550.00 |
| Month 6 | €3,900.00 |
Each monthly total is applied once per month. This simplified estimate does not model payment dates, irregular expenses, interest, or tax.
Want to plan beyond a simple estimate?
Explore budget forecasting or create a budget in Spendly Budget. You can enter your plan there separately.