Cash flow forecasting: A forecast built from what actually happened.
Most cash flow forecasts start from a budget. Bankflow starts from your bank statements: the income that really arrived, the spending that really left, and the recurring commitments already in motion, then projects the balance forward and shows how long it lasts.
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- Three runway views
- Monthly P&L and money flow
- What-if scenarios
Your trajectory
Money flow
Create a view
A forecast is only as honest as its starting month.
Spreadsheet forecasts are built from memory and intention: what the rent is, what the salary should be, roughly what groceries cost. They drift from reality the first month something irregular happens, and there is no easy way to tell which assumption broke. A forecast grounded in statements does not have that problem. It knows what the last six months cost because it read them, it knows which payments recur because they recurred, and when the forecast and the next statement disagree, the difference is a row you can open.
How it works
From history to a forward view
- 01
Load enough months to see a pattern
Upload several months of statements from every account that matters. Balances are reconciled on the way in, so the history the forecast is built on is complete.
- 02
Keep the noise out of the numbers
Exclude transfers between your own accounts, one-off loans, and outliers from cash flow totals. They stay in the ledger but stop distorting the monthly picture.
- 03
Read the month and the flow
Income against expenses month by month, and a money-flow diagram from each source of income out to where it was spent.
Balance today, monthly surplus, savings rate, and runway, with the data coverage behind the forecast. - 04
See how long the balance lasts
Runway three ways: at your current net burn, on essential spending only, and at full burn with no income. The forecast projects the balance forward from recurring income and spending, on a timeline.
- 05
Ask what if
Stress-test a lost income or a large one-off expense and watch the timeline move. Track savings goals against the plan and see each one as on track, behind, or funded.
The planning workspace
Runway, three ways
Net, essentials-only, and full-burn runway side by side, so the range is visible rather than one reassuring number.
Recurring detection
Recurring charges and regular income are found from the statements themselves and carried into the projection.
Custom views
Group merchants and categories into your own revenue and expense buckets, de-duplicated, to see the business the way you run it.
Exclusions that stick
Transfers and outliers marked as excluded stay out of every chart and total until you bring them back.
Savings goals
Goals tracked against the plan, each marked on track, behind, or funded as the statements come in.
An AI read of the plan
A written assessment of savings rate, runway, and what to change, generated from your own figures rather than a template.
FAQ
Common questions
How many months of statements does a forecast need?
More history gives recurring patterns a chance to show themselves. A single month produces a monthly P&L; several months are what make recurring income and spending, and so the projection, meaningful.
Is this for personal finances or a business?
Both. The planning workspace works from whatever statements you load, and custom views let you group spending into the buckets that match a household or a business.
Does it connect to my bank for live data?
No. It works from statements, which is why it also covers closed accounts and banks with no feed. Forwarding statement emails to your import address keeps it current without a bank connection.
What if a big one-off payment distorts the picture?
Exclude it from cash flow. It stays in the ledger for the record but leaves the charts, totals, and runway calculation.
Can I export the underlying data?
Yes. The transactions behind every chart export to Excel, CSV, or JSON, and to accounting formats such as QBO and OFX.
Is there a free way to try it?
New accounts get 50 free page credits with no card, enough to load a few months of statements and see your own runway.
Keep exploring
Bank Reconciliation
Balances checked against the statement before anything posts.
Tax Preparation
A year of statements, tagged and totalled for the return.
Accounts Payable
Invoices and receipts read into QuickBooks and Xero bills.
Historical Data Import
Backfill the years your bank feed never reached.
Bank Statement Converter
What a converter has to get right, and what the file looks like when it does.
Find out how long the money lasts.
Upload the last three months of statements and read your runway from what actually happened.