See the exact day your money runs short — before it happens. Enter your income and bills once, and this free tool forecasts your daily bank balance for the next 90 days — flagging the exact date you'd go cash-negative, before it happens.
90-day projected balance · green = positive · rust = projected cash gap
We've pre-filled an example household so you can see it work immediately — clear it out and enter your own numbers whenever you're ready.
Start with what's actually in your account today — not last month's estimate.
Enter each source with its real frequency and next date — weekly, biweekly, twice-monthly, monthly, or one-time.
The tool projects your balance for every day in the next 90 days and marks any day it goes negative.
Slide expenses or income up or down to instantly see how a raise, a cut, or a lost gig changes your gap dates.
The Cash Flow Freedom Score is a free 0–100 score that estimates how safely your money will cover your bills over the next 90 days. It's calculated from four inputs: how many of the next 90 days your projected balance stays positive, how many months of expenses your current balance could cover, how much of your income is recurring versus one-time, and the ratio of your monthly expenses to your monthly income.
A budget calculator shows you a monthly average. This tool instead builds a day-by-day forecast for the next 90 days using the actual dates your income and bills land, so it can catch the specific day your balance would go negative — something an average-based monthly budget can't show.
No. Nothing is uploaded, stored, or transmitted. You type in your starting balance, income sources, and expenses, and every calculation runs in your browser using JavaScript. Closing or refreshing the page clears the data.
A cash gap is any day in the 90-day forecast where your projected running balance drops below zero based on the income and expenses you've entered and their real calendar dates.
Yes — that's the main scenario this tool is built for. You can add multiple income sources with different frequencies (weekly, biweekly, twice-monthly, monthly, or one-time), which is common for freelancers, contractors, and gig workers with more than one income stream.
No. This tool is for educational and informational purposes only. It does not constitute financial, legal, or tax advice. See our full disclaimer for details.
A plain-English breakdown of the four inputs behind the score and how to raise it.
Read the guide →A step-by-step walkthrough for freelancers and gig workers with multiple, uneven income streams.
Read the guide →Why a healthy monthly budget can still produce a cash gap — and what the Freedom Score catches that a budget won't.
Read the guide →