The Cash Flow page answers "will my balance stay positive?" It shows your current balance, projects it forward for 30, 60 or 90 days, finds the lowest point, and flags when the balance drops below a safe level.
What you'll learn
- How to read the summary figures
- What the runway and the danger zone mean
- How to export the monthly summary
The Cash Flow page
What you see
- CSV downloads the monthly summary.
- 30 days, 60 days and 90 days buttons choose how far ahead the projection runs.
- The summary:
- Current Balance for the period, with the number of days.
- Lowest Balance, with the date it happens.
- Runway, in months.
- Danger Zone, which shows Safe when no risk is found.
- Balance Projection: the balance for each day of the period, with the Balance, Income and Expenses legend.
- Monthly Summary: for each month, its Income, Expenses and Net. A negative net is shown in red.
Read the runway
Runway is how many months your current balance would cover your spending, based on the average monthly expenses of the last three months.
- Below 3 months, the number is shown in red.
- From 3 to under 6 months, it is shown in amber.
- When there are no recent expenses to measure, the page shows No end in sight with the note "Income covers spending".
Read the danger zone
Danger Zone looks for the first day in the projection when the balance falls below $500. If it finds one, it shows that date in red. If the balance stays above $500 for the whole period, it shows Safe with the note No risk.
If a date is shown in the danger zone, check the bills and payments due before it on the calendar, then move a payment or reduce a planned amount.
Frequently asked questions
FAQ
The projection uses your balance and the expected income and expenses from your scheduled items, so recurring items should be complete and accurate. See Recurring transactions and payments.
The lowest projected balance in the period, with its date, so you can see the tightest point before income arrives.
It is the first day the projected balance drops below $500. Plan for that day first.