Daily Balance Ledger & Cashflow Trajectory

Predict your exact bank balance for any day over the next 30 to 180 days. See your lowest cash dip before bills strike, and test adjustments safely.

Lowest Dip $0.00 on Day 0
Ending Balance $0.00 in 60 days
Net Flow +$0.00 Total delta
Safe Buffer $0.00 Above $500 safety floor
Daily Balance Trajectory Hover/scrub curve to inspect day
Move cursor over chart
Target Date: Today Projected Balance: $0.00 Day Delta: $0.00 Events: None
Chronological Day Ledger 60 days projected
Date Day Starting Scheduled Events Discretionary Ending Balance
Trajectory recalculated locally.

The Power of Daily Trajectory

Budget apps tell you how much you spent last month. A forward-looking ledger shows whether you have enough money on the 14th before your paycheck deposits on the 15th, eliminating overdraft surprises.

Privacy & Data Longevity

Financial apps get bought, raise rates, or shut down. This planner computes 100% in your browser memory. No bank credentials, no third-party cloud analytics, and seamless export to Excel or Google Sheets.

Dynamic Cash Cushion

The "Safe Buffer" isolates your lowest future cash dip against your personal minimum safety floor. Know instantly if you can afford an irregular expense without risking upcoming scheduled bills.

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