Day-by-day balance projection

The planner projects your cash balance forward by applying each income and expense entry on the date it falls due. All entries have an anchor date — the first occurrence — and a frequency (weekly, fortnightly, monthly, quarterly, yearly, or once). The tool generates future occurrences from that anchor date.

Frequency and anchor date

The anchor date is used as a reference point for when a recurring event falls. For example, a monthly rent payment anchored on the 1st always falls on the 1st of each month. A weekly grocery run anchored on a Wednesday always falls on Wednesdays.

For fortnightly entries, the period is exactly 14 days from the anchor. For monthly, the calendar month is used (so a 31st anchor falls on the last day of shorter months).

Income vs expense entries

Income entries add to your balance; expense entries subtract. Categories help you understand where money is going — housing, transport, food, utilities, subscriptions, health, entertainment, or other. You can toggle entries on and off without deleting them, which is useful for modelling scenarios.

What the charts show

The balance chart shows your projected end-of-month balance for the next 12 months. The waterfall view shows month-by-month surplus or deficit. KPI cards summarise your average monthly income, average monthly expenses, and net monthly cashflow.

Worked example

Starting balance: $12,000 on 1 May 2025. Entries added:

• Salary: $4,200 income, fortnightly, anchor 2 May
• Rent: $1,800 expense, monthly, anchor 1 May
• Groceries: $200 expense, weekly, anchor 3 May
• Car loan: $450 expense, monthly, anchor 15 May

In the first month: 2 salary payments ($8,400), rent ($1,800), 4 grocery trips ($800), 1 car loan ($450) → net change: +$5,350. Projected end-of-May balance: $17,350.

Projections are estimates based on the entries you provide. Actual cash flows will vary. Not financial advice.