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Cashflow Planner

Plan the next 12 months so you're never caught short. Add your income and bills below.

Opening balance
€1,000
Starting position
Best month
Oct 2026
+€1,155 net
Year-end balance
€14,860
↑ Growing
Opening balance
€
Your current savings / current account balance
💚 Income
Name · Amount · Frequency
€
🔴 Expenses & Bills
Grouped to match your Budget Calculator categories
🏠Housing€1,200▼
💡Utilities€100▼
🛒Food & Groceries€400▼
🚗Transport€120▼
📱Subscriptions€25▼
💰Financial€200▼

Guidance only. This planner is for educational purposes and does not constitute regulated financial advice. Data stays in your browser. Full disclaimer →

MonthIncomeExpensesNetBalance
Oct 2026€3,200€2,045+€1,155€2,155
Nov 2026€3,200€2,045+€1,155€3,310
Dec 2026€3,200€2,045+€1,155€4,465
Jan 2027€3,200€2,045+€1,155€5,620
Feb 2027€3,200€2,045+€1,155€6,775
Mar 2027€3,200€2,045+€1,155€7,930
Apr 2027€3,200€2,045+€1,155€9,085
May 2027€3,200€2,045+€1,155€10,240
Jun 2027€3,200€2,045+€1,155€11,395
Jul 2027€3,200€2,045+€1,155€12,550
Aug 2027€3,200€2,045+€1,155€13,705
Sep 2027€3,200€2,045+€1,155€14,860
Oct 2026 — this month's transactions
Monthly salary
+€3,200
Rent / Mortgage
−€1,200
Electricity
−€100
Groceries
−€400
Fuel
−€120
Streaming (Netflix, Disney+ etc.)
−€25
Savings / rainy day fund
−€200
Your plan saves automatically
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