Cash Flow ForecastThe Cash Flow workspace (under Plan) projects your spendable balance forward — 30, 60, 90, or 365 days — from your current balances and your scheduled bills and income. The question it answers is the one that actually matters: how low will the balance get, and when?
The chart
The projected balance is drawn day by day. The lowest point is marked with its amount; if the projection ever crosses zero, a red dashed line marks the floor and the shortfall is called out. Hover anywhere on the line for the projected balance on that day.
What's included
- Spendable accounts — by default checking, savings, cash, and money market. A 401(k) or a brokerage isn't spendable cash and participates only if you deliberately opt it in from the account picker. Crypto market value is never included.
- Scheduled bills and income — from Bills & Income. Variable bills (an electric bill that differs month to month) are included as estimates; the Status column marks them Estimated, and you can exclude them with one checkbox.
- Already-posted transactions are never double-counted: if a scheduled bill's occurrence is already covered by a real transaction in the ledger, the projection uses the real one and notes the suppression.
The table
Below the chart, every projected event in date order — each with its own running balance, a status (Posted, Scheduled, Estimated, Scenario), and red only on rows that are actually overdrawn.
Scenario items (what-if)
Add Scenario Item… drops a hypothetical income or expense into the projection — “what if I buy the $1,200 laptop on the 10th?” Scenario items are never written to the ledger; they exist only in the projection you're looking at.
Still need help?
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