Cash Flow Forecast & Year-Ahead Planning

Today’s balances are a starting point. Spendly’s cash flow and year-ahead views help you explore where your current plan could take them.

Explore roughly 90 days of cash flow

The cash flow view projects available balances from your current financial plan. It brings your budgets and commitments into a forward view so you can identify periods that deserve a closer look.

This is especially useful when income and larger expenses do not line up neatly. Seeing a potential low point gives you a reason to review the timing or amount before that period arrives.

Step back for the year ahead

The year-ahead view extends planning across twelve months, with projections by currency. Repeating budgets, planned adjustments, and scheduled commitments give the view its shape.

Use it when reviewing an annual expense, a new savings contribution, or a change to your spending plan. You can see the effect over a longer horizon while keeping the currencies involved visible.

Try a change before applying it

The what-if sandbox lets you explore different budget amounts and their effect on the projections. A larger travel budget or a smaller dining budget becomes a scenario you can inspect.

When the revised plan fits, apply it to your budgets. The sandbox gives you space to think through a change before turning it into your actual plan.

Make projections useful

Keep account balances and planning inputs current, then revisit the forecast when something changes. Projected figures reflect those inputs and assumptions, so they are a planning view of possible outcomes.

Connect the forecast with safe to spend for current spending room, savings goals for milestones, and budget planning for the everyday amounts that shape the longer view.