Free cash flow tools
Calculators for people whose money does not arrive on the same day every month. Every one of them is free and runs on figures you type in. No account, no email address, no bank connection.
They are ungated on purpose. A tool that makes you sign up before it answers your question is not a tool, it is a form.
Cash Runway Calculator
Enter your balance, your monthly outgoings and any payments you are waiting on. Get the date your balance is projected to go below zero, and the lowest point it reaches.
Anyone asking how long their money lasts.
Payday Gap Calculator
Enter what you have, when you next get paid and the bills due before then. Get the amount you can spend per day, or exactly how much you are short and which bill causes it.
Anyone wondering whether they will make it to payday.
Irregular Income Budget Calculator
Enter what you actually earned each month. Get the steady amount you could pay yourself without running dry, and the buffer it would take to draw your average instead.
Freelancers and contractors whose income varies month to month.
Subscription Cost Calculator
Add up what everything that renews costs a year, and see which month the annual renewals land in. Moving one is usually easier than cancelling it.
Anyone who has lost track of what renews automatically.
Being straight about what is here
Four tools, and that is the set for now. Nothing gets listed until it exists, because a page full of links that go nowhere wastes your time.
Which one you want depends on the question. Use the runway calculator when you want to know how far ahead you are covered. Use the payday gap calculator when you know the next payday and need to get to it. Use the irregular income calculator when the problem is not one month but the fact that every month is different. Use the subscription calculator when you suspect the answer to all three is partly the things renewing quietly in the background.
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