Money · Cash Flow

What money is moving, when, and why?

Income, recurring obligations, expected vs actual, planning, envelopes, historical movement, and the 60-day outlook in one operating surface.
Expected in · 30d
$7,950
Payroll + business
Expected out · 30d
$6,184
Bills + plans
Expected net
+$1,766
Before flexible spend
Needs attention
4
Late / failed / unconfirmed
60-day low
$1,284
Sep 3
Money in · next 14 days
Tammy Payroll Income
Aug 28 · UnitedHealthcare · expected
+$1,760
Great Home Pro Business income
Expected this week · open jobs
+$1,590
Needs attention
Cox Internet Autopay failed
Still owed · requires action
-$130
HOA Catch-up Past due
Payment plan
-$225
Coming up · next 14 days
Mortgage Recurring
Sep 1 · housing
-$1,675
Chevy Trax Autopay
Aug 28 · auto loan
-$293
Plans

Prepare before cash movement becomes urgent

Dropbox / storage transition
Annual obligation · target Sep 18
Target$119.88
Prepared$70
Remaining$49.88
Pace$8.31/wk
Vehicle Registration
Annual vehicle obligation
Target$214
Prepared$76
Remaining$138
Pace$7.64/wk
School / Career Costs
Future irregular cash need
Target$1,200
Prepared$300
Remaining$900
Pace$25/wk
Real cash available

Relay — Annual / Irregular

$1,240

Planning envelopes describe intended use; they are not fake bank accounts.

Annual subscriptions$169.88
Vehicle / registration$214
School / career$300
Home maintenance$350
Unassigned$206.12
Historical movement

What actually happened

DateMovementTypeExpectedActualVariance
Aug 20Great Home ProIncome$1,420$1,590+$170
Aug 18APS ElectricBill$188$297-$109
Aug 16GroceriesEnvelope$210$196+$14
Aug 14Tammy PayrollIncome$1,760$1,798+$38
Aug 12Chevy TraxDebt payment$293$293$0
60-Day Outlook
$1,284
Projected low point · September 3
Opening$4,840
Reserve floor$1,000
Inflows+$13,440
Outflows-$14,996

The outlook reads the same expected income, obligations, envelope assumptions, and actual movements used by Cash Flow.

Chronological projection

Next movement → running balance

Aug 28Tammy Payroll +$1,760$6,600
Sep 1Mortgage -$1,675$4,632
Sep 2Utilities + envelopes -$1,204$3,428
Sep 3HOA + solar + irregulars$1,284
Sep 11Payroll + business +$3,350$4,634