Know your bank balance next March.
Cashflo takes what you already know - salary on the 1st, rent on the 5th, card bill on the 24th, SIP on the 28th - and plays it forward, month by month. You see every cash crunch before it happens, not in your statement afterwards.
No bank linking. You enter your numbers, you confirm every payment. Nothing moves without you.
A year of closing balances, at a glance
Sample plan: ₹80,000 salary, ₹58,500 of rent, bills & SIPs each monthDrag the slider - this is the same EMI Simulator that ships in the app, where you can also add the loan amount you'd receive, pick the first EMI month and tenure.
Your statement tells you what happened.
Nothing tells you what's coming.
Every expense tracker looks backwards. But the stress isn't last month - it's the 24th of next month, when the card bill, the school fee and the EMI all land in the same week your invoice is still unpaid.
Cashflo is a ledger of your future:
Sep 5 Rent −28,000 → 76,300
Sep 24 Card −52,000 → 24,300
Sep 28 SIP −15,000 → 9,300 · tight
Four things, done properly.
Every month for the next 18, as a card you can open - or a full ledger table on desktop: opening balance, every income and obligation, closing balance, months as columns. A month that dips below zero is marked before it arrives.
Thinking about a loan? Add the EMI, the tenure, the month it starts - and the amount you'd receive. Cashflo replays your whole runway with it and gives you a straight answer, before you sign anything.
Salary in ₹, freelance invoices in $ - keep each in its own currency. Pick one reporting currency and every total, projection and chart converts at live exchange rates. Each entry still shows the amount you actually typed.
One tap and every amount becomes dots - the plan stays visible, the numbers don't. For when someone's looking over your shoulder on the metro, or you're screen-sharing.
Built for the way money actually moves here.
Not adapted from an American budgeting app. Cashflo starts from EMIs, SIPs, rent cycles, card statements and gig income - the shapes Indian money really takes - and now speaks dollars too, for everyone billing clients abroad.
- ₹1,27,723Lakh-crore formatting, because that's how you read numbers
- EMI · 5thObligations with a day, a tenure and a category - not just "expenses"
- $ → ₹ECB reference rates, refreshed daily, offline fallback included
- 0 banksNo account linking, no OTPs, no screen-scraping. Your data is what you type.
Three inputs. One runway.
Add your balances
What's in the bank today - savings, current, even investments. In ₹ or $, per account.
Add income & obligations
Salary and its date. Every EMI, rent, bill and SIP with the day it hits. One-time items too.
Read your runway
Cashflo plays it all forward 18 months. Marigold months are fine. Orange months need you.
From then on it's a two-second habit: mark things paid as they happen, and the runway stays true. When life changes - a new EMI, a raise, a big one-time cost - simulate it first, decide second.
See tomorrow.
Stay ahead.
Free to use. Two minutes to set up. No bank linking, ever.