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Enter your household basics
Add the starting balances, projection window, recurring income, recurring spending, and any one-off events or planned purchases that matter to the plan.
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Product
Cash Flow Planner
Project your household cash position forward, compare scenarios, and see how income, spending, balances, and planned changes may affect affordability over time before making decisions.
Get early access to Planiva’s practical planning tools.
Build a clearer household cash flow forecast
Planiva’s Cash Flow Planner helps you build a forward-looking monthly cash flow forecast so you can see how money may move through your household over time. It is designed for planning and scenario comparison, so you can explore questions such as can I afford this, what your cash position may look like over time, when cash may come under pressure, and how changes in income, spending, balances, or future events may affect the forecast.
How it works
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Set up the household plan
Choose whether the plan covers one adult or a two-adult household, then enter the main items needed for cash flow planning.
3
Review the projected path
See how monthly net position, balances, and upcoming changes evolve across the projection window under different scenarios.
4
Assess affordability and pressure points
Review when cash is projected to stay positive, tighten, or turn negative so decisions can be assessed earlier.
What this planner helps you do
Use the planner to turn an initial affordability question into a clearer forward-looking cash flow view before committing to a decision.
Test affordability over time
Build a monthly forecast to see whether your expected inflows, outflows, and balances may support a planned decision.
See when cash may come under pressure
Identify months where balances tighten, stress points appear, or cash is projected to turn negative.
Compare planned changes
Test how different income, spending, timing, or one-off changes may affect the projected outcome.
Include future events that matter
Add one-time costs, one-time income, or planned purchases so the forecast reflects decisions you are actually considering.
Make timing trade-offs clearer
See how changing the timing of key items may alter affordability across the projection window.
Core features
The planner is designed to support practical household cash flow planning in a clearer and more structured way than a static household budget.
Monthly cash flow projections
Project inflows, outflows, net position, and balances forward month by month across the planning window.
One-adult and two-adult household planning
Model cash flow for one adult or a two-adult household, depending on the scenario you want to test.
Recurring income and spending inputs
Add the main recurring items that shape your regular household position over time.
One-off events and planned purchases
Include one-time costs or income that may materially affect affordability and timing.
Cash-pressure and shortfall visibility
Review when balances tighten, when negative months may appear, and where the plan starts to come under pressure.
Scenario comparison support
Compare saved scenarios against a baseline to understand how changes affect ending balance, lowest balance, and average monthly net.
Scenarios you can model
The planner is suited to common cash flow planning situations where you want a clearer forward-looking view before proceeding further.
Can I afford this planned decision?
Test whether your projected cash position may support a planned commitment, purchase, or change in spending.
What happens if income changes?
Explore how a change in recurring income may affect monthly net position and balances over time.
What happens if spending increases?
Compare how higher recurring costs or one-off expenses may affect affordability and shortfall risk.
Timing of one-off events
See how moving a major event or planned purchase earlier or later changes the forecast.
Household setup changes
Model the plan for one adult or a two-adult household, depending on the situation you want to assess.
Compare saved scenarios
Compare an active scenario against the baseline plan to see where the monthly path and summary results diverge.
Outputs and insights
The planner is designed to return practical cash flow outputs that help you assess affordability and compare options more clearly.
Monthly cash position view
See inflows, outflows, net movement, and closing balance for each month in the projection range.
Opening monthly position
Review the immediate monthly net position so you can understand the direction of travel at the start of the plan.
Ending and lowest balance view
See the projected ending balance and lowest balance reached within the scenario.
First negative month signal
Identify when cash is projected to turn negative, if that happens within the current planning window.
Stress points and notable changes
Review flagged pressure points, shortfalls, and upcoming changes that materially affect the forecast.
Scenario comparison highlights
Compare the active scenario with the baseline to see where affordability improves, worsens, or diverges.
Who it is for
This planner is best suited to people who want a clearer view of household affordability before making financial decisions.
People asking can I afford this?
Useful if you want to test whether a planned decision looks affordable over the months ahead rather than only today.
Households planning around future changes
Helpful when you expect income, spending, or one-off events to change and want to see the effect in advance.
People managing timing and shortfall risk
Useful if you want to know when cash may tighten or run short so you can plan earlier.
Users who want planning support before acting
Best for forward-looking cash flow planning and comparison, not for regulated financial advice or formal budgeting compliance.
Notes and limitations
This planner is designed to support planning and comparison. It does not replace regulated financial advice, and outputs depend on the facts and assumptions entered.
Shared trust notes
- This planner supports scenario modelling and comparison. It is intended to help you think through decisions, not to replace regulated financial, tax, legal, or investment advice.
- Outputs depend on the details, assumptions, and tax rules used at the time of modelling. Real-world outcomes can differ if those assumptions change or if relevant information is incomplete.
Planner-specific notes
- Projections may change materially if income, spending, balances, timing, or event assumptions are incomplete or incorrect.
- The planner is intended for forward-looking cash flow scenarios and may not reflect every real-world timing detail, behavioural change, or unexpected cost.
- Outputs are indicative planning forecasts and should not be treated as guaranteed outcomes or a substitute for advice.
- The planner works at monthly level, so within-month timing and account-level mechanics may still need additional judgement outside the tool.
Frequently asked questions
What does the Cash Flow Planner help me do?
It helps you project household cash flow forward, compare scenarios, and see how planned changes may affect affordability over time.
Can I use it to test whether I can afford something?
Yes. The planner is designed to help you test planned decisions against a forward-looking monthly cash flow projection rather than relying only on a current snapshot.
Does it show when cash may run short?
Yes. It is designed to highlight when balances tighten or when cash may turn negative within the projection window.
Can I compare different cash flow scenarios?
Yes. The planner supports scenario comparison so you can see how changes affect balances, monthly net position, and key pressure points.
Does it support one-off events and planned purchases?
Yes. The planner is designed to include one-time events and planned purchases that may materially affect affordability and timing.
Is this the same as a budgeting app?
It is a planning tool for forward-looking cash flow decisions rather than a day-to-day spending tracker.
Is this financial advice?
No. It is a planning and scenario-comparison tool, not regulated financial advice.
Related tools
Cash flow planning often connects directly to wider tax, retirement, and disposal decisions that affect affordability over time.
Tax Planner
Explore how expected tax liabilities and timing may affect your wider cash position.
Retirement Planner
Useful if shorter-term affordability decisions feed into a wider retirement plan.
Capital Gains Tax Planner
Helpful if planned asset disposals and expected proceeds may affect future household cash flow.
Access the Cash Flow Planner in beta
Join the Planiva beta to explore this planner as part of the wider planning workbench.