Cashflow Planner

Plan the next 12 months so you're never caught short. Add your income and bills below.

Opening balance

€1,000

Starting position

Best month

Oct 2026

+€1,155 net

Year-end balance

€14,860

↑ Growing

Opening balance

€

Your current savings / current account balance

💚 Income

Name · Amount · Frequency

€

🔴 Expenses & Bills

Grouped to match your Budget Calculator categories

🏠Housing€1,200▼

💡Utilities€100▼

🛒Food & Groceries€400▼

🚗Transport€120▼

📱Subscriptions€25▼

💰Financial€200▼

Guidance only. This planner is for educational purposes and does not constitute regulated financial advice. Data stays in your browser. Full disclaimer →

Month	Income	Expenses	Net	Balance
Oct 2026	€3,200	€2,045	+€1,155	€2,155
Nov 2026	€3,200	€2,045	+€1,155	€3,310
Dec 2026	€3,200	€2,045	+€1,155	€4,465
Jan 2027	€3,200	€2,045	+€1,155	€5,620
Feb 2027	€3,200	€2,045	+€1,155	€6,775
Mar 2027	€3,200	€2,045	+€1,155	€7,930
Apr 2027	€3,200	€2,045	+€1,155	€9,085
May 2027	€3,200	€2,045	+€1,155	€10,240
Jun 2027	€3,200	€2,045	+€1,155	€11,395
Jul 2027	€3,200	€2,045	+€1,155	€12,550
Aug 2027	€3,200	€2,045	+€1,155	€13,705
Sep 2027	€3,200	€2,045	+€1,155	€14,860

Oct 2026 — this month's transactions

Monthly salary

+€3,200

Rent / Mortgage

−€1,200

Electricity

−€100

Groceries

−€400

Fuel

−€120

Streaming (Netflix, Disney+ etc.)

−€25

Savings / rainy day fund

−€200

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