One operating surface for expected income, obligations, planning, actual movement, and forward cash visibility. Accounts tells us where money lives; Cash Flow tells us what it is expected to do.
Expected in · 30d
$7,950
Payroll + business income
Expected out · 30d
$6,184
Bills, debt, plans, expected spend
Expected net
+$1,766
Before optional changes
Needs attention
4
Failed, late, missing, unconfirmed
60-day low
$1,284
Projected Sep 3
Operating queue
Expected + actual + exceptions in one timeline
Needs attention4 items
!
Cox Internet
Autopay failed · still owed · due Aug 20
−$130.00
Action required
!
HOA Catch-up
Payment plan · expected Aug 21 · not confirmed
−$225.00
Unconfirmed
?
Great Home Pro deposit
Expected this week · amount changed from forecast
+$1,590.00
Verify
Money in · next 14 days+$3,350 expected
IN
Tammy Payroll
Aug 28 · expected · Relay Household Checking
+$1,760.00
Expected
IN
Great Home Pro
This week · business income · Relay Household Checking
+$1,590.00
Estimated
Coming up · next 14 days−$2,787 scheduled
OUT
Chevy Trax
Aug 28 · Debt-linked obligation · autopay
−$293.00
Scheduled
OUT
Mortgage
Sep 1 · housing · Relay Household Checking
−$1,675.00
Expected
OUT
Utilities bundle
Sep 2 · electric + water + internet
−$819.00
Projected
DateCash eventRunning positionState
Aug 28Payroll +$1,760 · Trax −$293$5,753Expected
Sep 1Mortgage −$1,675$4,078Expected
Sep 2Utilities −$819$3,259Projected
Sep 3HOA + solar + irregulars$1,284Projected low
Plans prepares for cash needs before they become urgent. A Plan is an intended use of real cash, not a fake bank account. The underlying money still lives in Accounts.
Active plans
Recurring, annual, irregular, and future needs
Annual Subscriptions
Annual obligation plan · next major need Sep 18
On pace
Target$419.88
Prepared$240
Remaining$179.88
Weekly pace$14.99
Vehicle Registration
Annual vehicle obligation · due Feb 2027
Healthy
Target$214
Prepared$76
Remaining$138
Weekly pace$7.64
School / Career Costs
Future irregular need · owner-defined target
Needs pace
Target$1,200
Prepared$300
Remaining$900
Weekly pace$25
Home Maintenance Reserve
Ongoing irregular household need
Flexible
Target$1,500
Prepared$350
Remaining$1,150
Monthly pace$100
History answers what actually happened. Expected values remain visible for comparison, but this tab is anchored to posted, recorded, imported, or confirmed cash movement.
Actual income · Aug
$7,184
$315 above expectation
Actual outflow · Aug
$5,934
$184 above expectation
Actual net · Aug
+$1,250
Month-to-date
Unmatched movement
3
Needs categorization / link
DateMovementTypeExpectedActualVariance
Aug 20Great Home ProIncome$1,420$1,590+$170
Aug 18APS ElectricBill$188$297−$109
Aug 16GroceriesFlexible$210$196+$14
Aug 14Tammy PayrollIncome$1,760$1,798+$38
Aug 12Chevy TraxDebt payment$293$293$0
Aug 10Transfer → Annual BillsTransfer$150$150$0
Aug 08Water utilityBill$94$101−$7
Variance review
Where forecast accuracy changed
Business income+$170
Utilities−$116
Groceries+$14
Fuel−$52
Learning loop
Use actuals to improve future expectations
Recurring amount changed 3×Suggest update
Income range stabilizedSuggest range
Flexible category trendReview Plan
60-Day Outlook is a projection, not another ledger. It reads expected income, obligations, planning assumptions, actual movements, and observed account balances to show the household's future cash pressure.
Projected low point
$1,284
September 3, 2026 · $284 above reserve floor
Opening cash$4,286
Reserve floor$1,000
60d inflows+$13,440
60d outflows−$14,996
Base case$1,284 low
If GHP income arrives 7 days late$−306 low
If flexible spend drops $250$1,534 low
Chronological projection
Next 60 days
DateProjected movementRunning positionState
Aug 28Payroll +$1,760 · Trax −$293$5,753Expected
Sep 1Mortgage −$1,675$4,078Expected
Sep 2Utilities −$819$3,259Projected
Sep 3HOA + solar + irregulars −$1,975$1,284Low point