What is cash flow forecasting?

Cash flow forecasting projects your future account balances by applying your recurring income and expenses forward in time, so you can see exactly what you will have on any future date and spot shortfalls before they happen.

Can Flowstate Finance forecast my net worth?

Yes. Flowstate Finance combines your accounts, savings, investments, property and debts into a single net worth figure, tracks its history over time and projects how it grows alongside your cash flow forecast.

Does it work for self-employed people and contractors?

Yes. The Flowstate Work add-on handles estimates, invoices, payments, project costs, staff hours, CIS deductions, retention, warranties, VAT returns and a self-assessment tax summary.

Does Flowstate Finance connect to my bank?

It does not need to. You import statements by CSV or enter figures directly, which keeps your forecast clean and fully under your control.

Current Balance

£3,240.5

Tap to edit accounts →

Daily Forecast

March 2026

DateTransactionsCategoryAmount / BalanceActions

Rent

Mar 30 · Mon

needs review

-£1,200bal: £2,040.5

Mar 30

Monday

Rentneeds review

Rent

-£1,200£2,040.5

Electricity & Gas

Mar 30 · Mon

needs review

-£95bal: £1,945.5

Mar 30

Monday

Electricity & Gasneeds review

Utilities

-£95£1,945.5

+£0 −£1,295Net: -£1,295

September 2026

DateTransactionsCategoryAmount / BalanceActions

Monthly Salary

Sep 30 · Wed

+£3,500bal: £7,042.62

Sep 30

Wednesday

Monthly Salary

Salary

+£3,500£7,042.62

Freelance Design

Sep 30 · Wed

+£650bal: £7,692.62

Sep 30

Wednesday

Freelance Design

Freelance

+£650£7,692.62

Rent

Sep 30 · Wed

-£1,200bal: £6,492.62

Sep 30

Wednesday

Rent

-£1,200£6,492.62

Electricity & Gas

Sep 30 · Wed

-£95bal: £6,397.62

Sep 30

Wednesday

Electricity & Gas

Utilities

-£95£6,397.62

Internet

Sep 30 · Wed

-£35bal: £6,362.62

Sep 30

Wednesday

Internet

Utilities

-£35£6,362.62

Netflix

Sep 30 · Wed

-£17.99bal: £6,344.63

Sep 30

Wednesday

Netflix

Subscriptions

-£17.99£6,344.63

Spotify

Sep 30 · Wed

-£9.99bal: £6,334.64

Sep 30

Wednesday

Spotify

Subscriptions

-£9.99£6,334.64

Gym Membership

Sep 30 · Wed

-£45bal: £6,289.64

Sep 30

Wednesday

Gym Membership

Subscriptions

-£45£6,289.64

Train Pass

Sep 30 · Wed

-£120bal: £6,169.64

Sep 30

Wednesday

Train Pass

Transport

-£120£6,169.64

+£4,150 −£1,522.98Net: +£2,627.02

October 2026

DateTransactionsCategoryAmount / BalanceActions

Weekly Groceries

Oct 6 · Tue

-£95bal: £6,074.64

Oct 6

Tuesday

Weekly Groceries

Groceries

-£95£6,074.64

Lunch & Coffee

Oct 6 · Tue

-£55bal: £6,019.64

Oct 6

Tuesday

Lunch & Coffee

Eating Out

-£55£6,019.64

Weekend Dining

Oct 8 · Thu

-£70bal: £5,949.64

Oct 8

Thursday

Weekend Dining

Eating Out

-£70£5,949.64

Weekly Groceries

Oct 13 · Tue

-£95bal: £5,854.64

Oct 13

Tuesday

Weekly Groceries

Groceries

-£95£5,854.64

Lunch & Coffee

Oct 13 · Tue

-£55bal: £5,799.64

Oct 13

Tuesday

Lunch & Coffee

Eating Out

-£55£5,799.64

Car Service

Oct 14 · Wed

-£280bal: £5,519.64

Oct 14

Wednesday

Car Service

Transport

-£280£5,519.64

Weekly Groceries

Oct 20 · Tue

-£95bal: £5,424.64

Oct 20

Tuesday

Weekly Groceries

Groceries

-£95£5,424.64

Lunch & Coffee

Oct 20 · Tue

-£55bal: £5,369.64

Oct 20

Tuesday

Lunch & Coffee

Eating Out

-£55£5,369.64

Weekend Dining

Oct 22 · Thu

-£70bal: £5,299.64

Oct 22

Thursday

Weekend Dining

Eating Out

-£70£5,299.64

Weekly Groceries

Oct 27 · Tue

-£95bal: £5,204.64

Oct 27

Tuesday

Weekly Groceries

Groceries

-£95£5,204.64

Lunch & Coffee

Oct 27 · Tue

-£55bal: £5,149.64

Oct 27

Tuesday

Lunch & Coffee

Eating Out

-£55£5,149.64

Monthly Salary

Oct 30 · Fri

+£3,500bal: £8,649.64

Oct 30

Friday

Monthly Salary

Salary

+£3,500£8,649.64

Freelance Design

Oct 30 · Fri

+£650bal: £9,299.64

Oct 30

Friday

Freelance Design

Freelance

+£650£9,299.64

Rent

Oct 30 · Fri

-£1,200bal: £8,099.64

Oct 30

Friday

Rent

-£1,200£8,099.64

Electricity & Gas

Oct 30 · Fri

-£95bal: £8,004.64

Oct 30

Friday

Electricity & Gas

Utilities

-£95£8,004.64

Internet

Oct 30 · Fri

-£35bal: £7,969.64

Oct 30

Friday

Internet

Utilities

-£35£7,969.64

Netflix

Oct 30 · Fri

-£17.99bal: £7,951.65

Oct 30

Friday

Netflix

Subscriptions

-£17.99£7,951.65

Spotify

Oct 30 · Fri

-£9.99bal: £7,941.66

Oct 30

Friday

Spotify

Subscriptions

-£9.99£7,941.66

Gym Membership

Oct 30 · Fri

-£45bal: £7,896.66

Oct 30

Friday

Gym Membership

Subscriptions

-£45£7,896.66

Train Pass

Oct 30 · Fri

-£120bal: £7,776.66

Oct 30

Friday

Train Pass

Transport

-£120£7,776.66

Holiday Bonus

Oct 30 · Fri

+£500bal: £8,276.66

Oct 30

Friday

Holiday Bonus

Salary

+£500£8,276.66

+£4,650 −£2,542.98Net: +£2,107.02

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