What is cash flow forecasting?

Cash flow forecasting projects your future account balances by applying your recurring income and expenses forward in time, so you can see exactly what you will have on any future date and spot shortfalls before they happen.

Can Flowstate Finance forecast my net worth?

Yes. Flowstate Finance combines your accounts, savings, investments, property and debts into a single net worth figure, tracks its history over time and projects how it grows alongside your cash flow forecast.

Does it work for self-employed people and contractors?

Yes. The Flowstate Work add-on handles estimates, invoices, payments, project costs, staff hours, CIS deductions, retention, warranties, VAT returns and a self-assessment tax summary.

Does Flowstate Finance connect to my bank?

It does not need to. You import statements by CSV or enter figures directly, which keeps your forecast clean and fully under your control.

Current Balance

£3,240.5

Tap to edit accounts →

Daily Forecast

April 2026

DateTransactionsCategoryAmount / BalanceActions

Rent

Apr 12 · Sun

needs review

-£1,200bal: £2,040.5

Apr 12

Sunday

Rentneeds review

Rent

-£1,200£2,040.5

Electricity & Gas

Apr 12 · Sun

needs review

-£95bal: £1,945.5

Apr 12

Sunday

Electricity & Gasneeds review

Utilities

-£95£1,945.5

+£0 −£1,295Net: -£1,295

October 2026

DateTransactionsCategoryAmount / BalanceActions

Monthly Salary

Oct 12 · Mon

+£3,500bal: £7,042.62

Oct 12

Monday

Monthly Salary

Salary

+£3,500£7,042.62

Freelance Design

Oct 12 · Mon

+£650bal: £7,692.62

Oct 12

Monday

Freelance Design

Freelance

+£650£7,692.62

Rent

Oct 12 · Mon

-£1,200bal: £6,492.62

Oct 12

Monday

Rent

-£1,200£6,492.62

Electricity & Gas

Oct 12 · Mon

-£95bal: £6,397.62

Oct 12

Monday

Electricity & Gas

Utilities

-£95£6,397.62

Internet

Oct 12 · Mon

-£35bal: £6,362.62

Oct 12

Monday

Internet

Utilities

-£35£6,362.62

Netflix

Oct 12 · Mon

-£17.99bal: £6,344.63

Oct 12

Monday

Netflix

Subscriptions

-£17.99£6,344.63

Spotify

Oct 12 · Mon

-£9.99bal: £6,334.64

Oct 12

Monday

Spotify

Subscriptions

-£9.99£6,334.64

Gym Membership

Oct 12 · Mon

-£45bal: £6,289.64

Oct 12

Monday

Gym Membership

Subscriptions

-£45£6,289.64

Train Pass

Oct 12 · Mon

-£120bal: £6,169.64

Oct 12

Monday

Train Pass

Transport

-£120£6,169.64

Weekly Groceries

Oct 18 · Sun

-£95bal: £6,074.64

Oct 18

Sunday

Weekly Groceries

Groceries

-£95£6,074.64

Lunch & Coffee

Oct 18 · Sun

-£55bal: £6,019.64

Oct 18

Sunday

Lunch & Coffee

Eating Out

-£55£6,019.64

Weekend Dining

Oct 21 · Wed

-£70bal: £5,949.64

Oct 21

Wednesday

Weekend Dining

Eating Out

-£70£5,949.64

Weekly Groceries

Oct 25 · Sun

-£95bal: £5,854.64

Oct 25

Sunday

Weekly Groceries

Groceries

-£95£5,854.64

Lunch & Coffee

Oct 25 · Sun

-£55bal: £5,799.64

Oct 25

Sunday

Lunch & Coffee

Eating Out

-£55£5,799.64

Car Service

Oct 26 · Mon

-£280bal: £5,519.64

Oct 26

Monday

Car Service

Transport

-£280£5,519.64

+£4,150 −£2,172.98Net: +£1,977.02

November 2026

DateTransactionsCategoryAmount / BalanceActions

Weekly Groceries

Nov 1 · Sun

-£95bal: £5,424.64

Nov 1

Sunday

Weekly Groceries

Groceries

-£95£5,424.64

Lunch & Coffee

Nov 1 · Sun

-£55bal: £5,369.64

Nov 1

Sunday

Lunch & Coffee

Eating Out

-£55£5,369.64

Weekend Dining

Nov 4 · Wed

-£70bal: £5,299.64

Nov 4

Wednesday

Weekend Dining

Eating Out

-£70£5,299.64

Weekly Groceries

Nov 8 · Sun

-£95bal: £5,204.64

Nov 8

Sunday

Weekly Groceries

Groceries

-£95£5,204.64

Lunch & Coffee

Nov 8 · Sun

-£55bal: £5,149.64

Nov 8

Sunday

Lunch & Coffee

Eating Out

-£55£5,149.64

Holiday Bonus

Nov 11 · Wed

+£500bal: £5,649.64

Nov 11

Wednesday

Holiday Bonus

Salary

+£500£5,649.64

Monthly Salary

Nov 12 · Thu

+£3,500bal: £9,149.64

Nov 12

Thursday

Monthly Salary

Salary

+£3,500£9,149.64

Freelance Design

Nov 12 · Thu

+£650bal: £9,799.64

Nov 12

Thursday

Freelance Design

Freelance

+£650£9,799.64

Rent

Nov 12 · Thu

-£1,200bal: £8,599.64

Nov 12

Thursday

Rent

-£1,200£8,599.64

Electricity & Gas

Nov 12 · Thu

-£95bal: £8,504.64

Nov 12

Thursday

Electricity & Gas

Utilities

-£95£8,504.64

Internet

Nov 12 · Thu

-£35bal: £8,469.64

Nov 12

Thursday

Internet

Utilities

-£35£8,469.64

Netflix

Nov 12 · Thu

-£17.99bal: £8,451.65

Nov 12

Thursday

Netflix

Subscriptions

-£17.99£8,451.65

Spotify

Nov 12 · Thu

-£9.99bal: £8,441.66

Nov 12

Thursday

Spotify

Subscriptions

-£9.99£8,441.66

Gym Membership

Nov 12 · Thu

-£45bal: £8,396.66

Nov 12

Thursday

Gym Membership

Subscriptions

-£45£8,396.66

Train Pass

Nov 12 · Thu

-£120bal: £8,276.66

Nov 12

Thursday

Train Pass

Transport

-£120£8,276.66

Weekly Groceries

Nov 15 · Sun

-£95bal: £8,181.66

Nov 15

Sunday

Weekly Groceries

Groceries

-£95£8,181.66

Lunch & Coffee

Nov 15 · Sun

-£55bal: £8,126.66

Nov 15

Sunday

Lunch & Coffee

Eating Out

-£55£8,126.66

Weekend Dining

Nov 18 · Wed

-£70bal: £8,056.66

Nov 18

Wednesday

Weekend Dining

Eating Out

-£70£8,056.66

Weekly Groceries

Nov 22 · Sun

-£95bal: £7,961.66

Nov 22

Sunday

Weekly Groceries

Groceries

-£95£7,961.66

Lunch & Coffee

Nov 22 · Sun

-£55bal: £7,906.66

Nov 22

Sunday

Lunch & Coffee

Eating Out

-£55£7,906.66

Weekly Groceries

Nov 29 · Sun

-£95bal: £7,811.66

Nov 29

Sunday

Weekly Groceries

Groceries

-£95£7,811.66

Lunch & Coffee

Nov 29 · Sun

-£55bal: £7,756.66

Nov 29

Sunday

Lunch & Coffee

Eating Out

-£55£7,756.66

+£4,650 −£2,412.98Net: +£2,237.02

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Income & Expenses