📅
Your cash flow has 3 danger zones this month
Balance drops below your safety buffer on days 14, 22, and 28
$284
Lowest Balance
💰
Monthly Income
—
Total pay this month
📉
Total Bills
—
Fixed monthly expenses
🟢
Surplus
—
Income minus bills
🚨
Danger Days
—
Below safety buffer
🎯 Cash Flow Verdict
Loading your forecast...
💵 Income Sources
When your money comes in
⚙️ Settings
Your safety thresholds
📋 Monthly Bills
When your money goes out
📊
Daily Cash Flow Timeline
See your balance every single day of the month — red zones are danger
🔄
Bill Resequencing Suggestions
Move these bills to smooth your cash flow and eliminate danger zones
📋
Full Bill Schedule
Every bill sorted by due date with running balance
Monthly Cash Flow
Bills by Size
Income vs Bills
Balance Over Month
Cash Flow Forecast Report
Vault & Vessel Studio ·
📖
How To Use
See when money gets tight before it happens — and plan around it
🚀 Getting Started
1
Enter Your Pay Dates
Add each income source with the day of the month you get paid and the amount (after taxes — what actually hits your account).
2
Add Your Bills
Every recurring bill — rent, car payment, subscriptions, insurance. Enter the due date and amount. Don't forget the small ones — they add up.
3
See Danger Zones
The timeline shows your daily balance. Red zones mean you'll drop below your safety buffer. Gold zones mean you're comfortable.
4
Resequence Bills
The tool suggests which bills to move to different dates to eliminate cash crunches. Call your providers — most let you pick your due date.
📊 Terms Made Simple
Cash Flow: The pattern of money coming in and going out over time. It's not about how much you make — it's about WHEN the money moves. Timing is everything.
Danger Zone: Any day where your balance drops below your safety buffer. This is when you're one unexpected expense away from overdraft fees or missed payments.
Safety Buffer: The minimum balance you want in your account at all times. Think of it as your "oh crap" fund — the amount that lets you sleep at night.
Bill Resequencing: Changing when your bills are due so they align better with your pay dates. Most companies let you change due dates for free — you just have to ask.
Surplus: Total income minus total bills for the month. But a positive surplus doesn't mean you're safe — if all your bills hit before your second paycheck, you can still go negative.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual balances depend on exact transaction timing, pending holds, and variable expenses not captured here.