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.

Categories & Budgets

Total Budget Breakdown

Personal

£2,150

Last month's expenses£2,262.98

6-month average expenses£1,854.65

% of total% of income

Rent£1,20056%

Groceries£40019%

Eating Out£2009%

Transport£1507%

Utilities£1206%

Subscriptions£804%

Business

Last month's expenses£0

6-month average expenses£1,690

No data available

Where your money goes (planned)

Your budgeted categories, tagged as a need, want, debt or savings, against your monthly income.

Only categories with a budget appear in planned spending. To see where you really spend your money, visit the Reports page.

Need

£2,551.01

35% of income

Want

£0

0% of income

Debt

£240

3% of income

Not tagged

£2,150

29% of income

Left over

£1,808.99

25% of income

Rent£1,200

Groceries£400

Eating Out£200

Transport£150

Utilities£120

Subscriptions£80

Emergency Fund£200From Savings · Savings

New Car Fund£350From Savings · Savings

Personal Loan£150From Debt · Debt

Credit Card£90From Debt · Debt

Family Home£1,604.39From Mortgage · Need

Buy-to-Let Flat£946.62From Mortgage · Need

Personal

Salary

Spent this month£0

No transactions yet this month

Budget£0

No budget set

Rent

Spent this month£1,200

12 OctRent

£1,200

Budget£1,200

100% used

Groceries

Spent this month£190

04 OctWeekly Groceries

£95

11 OctWeekly Groceries

£95

Budget£400

48% used

Transport

Spent this month£120

12 OctTrain Pass

£120

Budget£150

80% used

Eating Out

Spent this month£180

04 OctLunch & Coffee

£55

07 OctWeekend Dining

£70

11 OctLunch & Coffee

£55

Budget£200

90% used

Subscriptions

Spent this month£72.98

12 OctNetflix

£17.99

12 OctSpotify

£9.99

12 OctGym Membership

£45

Budget£80

91% used

Utilities

Spent this month£130

12 OctElectricity & Gas

£95

12 OctInternet

£35

Budget£120

100% used

Over budget by £10

No budget set

Insurance

Business

Spent this month£0

No transactions yet this month

Budget£0

No budget set

Accountancy & Admin

Business

Spent this month£165

07 OctPhone, software & stationery

£165

Budget£0

No budget set

Subcontractors

Business

Spent this month£0

No transactions yet this month

Budget£0

No budget set

Spending Breakdown This Month

Personal

£1,892.98

% of total% of income

Rent£1,20063%

Groceries£19010%

Eating Out£18010%

Utilities£1307%

Transport£1206%

Subscriptions£72.984%

Business

£390

% of total% of income

Vehicle & Fuel£22558%

Accountancy & Admin£16542%

Most Often Over Budget

Based on the last 12 months

Category	Times Over	Rate	Avg Spend
Utilities	7/7	100%	£130
Eating Out	2/4	50%	£280
Groceries	1/4	25%	£332.5

Most Often Within Budget

Based on the last 12 months

Category	Times Within	Rate	Avg Spend
Rent	7/7	100%	£1,200
Transport	7/7	100%	£120
Subscriptions	7/7	100%	£60.12
Groceries	3/4	75%	£332.5
Eating Out	2/4	50%	£280

Monthly Spend by Category

No spending recorded for this category yet.

Income & Expenses