Cash Flow Forecast Planner

Most cash crises are visible months in advance — if anyone runs the numbers. Enter your starting balance, monthly income and expenses, and realistic growth rates for each, and this planner builds a month-by-month forecast showing net and ending balance, flags your lowest point, and warns you clearly if any month goes negative. Run it monthly and a shortfall becomes a planning problem, not a surprise.

WHAT IT DOES
• Month-by-month forecast — income, expenses, net and ending balance for 3, 6 or 12 months
• Growth-aware — separate growth rates for income and expenses so the forecast stays realistic
• Lowest-balance warning — the riskiest month is flagged automatically, with a clear alert if you go negative
• Starting-balance based — starts from the cash you actually have today, not a fantasy zero
• Print / Save-as-PDF built in — share the forecast with a partner or accountant in one click
• Single HTML file — works offline, your financial numbers never leave your browser

HOW TO USE
1. After checkout, download the ZIP and unzip it.
2. Double-click cash-flow-forecast-planner.html — it opens in any modern browser, no install, no signup.
3. Enter your details, use the tool, and copy / save / export your results.

WHO IT’S FOR
Digital nomads, online sellers, freelancers, creators and solo business owners who want a practical tool they own outright — no subscription, no login, no data leaving their machine.

WHAT YOU GET
• cash-flow-forecast-planner.html — the complete tool in the downloadable ZIP (works offline, yours forever)
• Free lifetime updates to the file
• Instant download after checkout