cashflow
Reminders & ideas
Calendar nudges and ways to smooth your position
Operating balance
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Money in · 30 days
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Money out · 30 days
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Closing balance
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Daily cash position next 30 days
Running balance, day by day
Day-by-day breakdown
Every receipt and payment expected over the next 30 days
Add invoices from Zoho
Upload or paste CSV export · expected payment = invoice date + 30 days
In Zoho Books → Invoices → Export → CSV. The parser uses the outstanding balance (bcy_balance), not total — so partial payments stay accurate. Paid invoices are skipped automatically.
Upload remittance auto-match
PDF or image · AI reads it, matches your invoices, marks them paid
Works on PDFs (text or scanned), screenshots, and emails saved as images. Extracts payment date, invoice numbers, and amounts, then shows you a preview before applying anything.
Add an invoice manually
For one-off invoices not yet in Zoho
Outstanding invoices
0 invoicesUpload Amex statement auto-add
PDF or image · AI reads the statement and adds the bill as one payable on the due date
Cleanest workflow: drop each month's statement here. Extracts payment due date and total balance, adds a one-off payable. You'll see the bill in the forecast on the exact day it'll hit your bank.
Add a payment going out
Recurring or one-off — pick the schedule below
Scheduled payments
0 paymentsTotal reserved
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Available cash
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Goal progress
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Add a reserve or goal
Money to set aside (tax, super, buffer) or to save toward (equipment, vehicle)
Your reserves & goals
Bank balances
Where your cash actually sits
Operating account is where day-to-day flows happen (invoices, wages, bills). Savings is what's parked separately and isn't part of the daily forecast.
Move between accounts transfer
Sweep surplus into savings, or top up operating when it's tight
Amex card cycle
Used to shift cash-out dates for bills paid on Amex
Find this on your last statement: difference between "Closing Date" and "Payment Due Date". Most Australian Amex Business cards are 25 days.
Data management
Export, import, or reset
All your data is stored privately, just for you, and persists between sessions.