Available now
Cash Flow Positive
Will rent and the car payment clear before payday? See your projected balance for every day of the month, based on the income and bills you enter.
$4.99/month or $39/year
14-day free trial. No card needed to start.
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Paid prices are in US dollars; sales tax may be added at checkout.
Cash Flow Positive is a calendar, not a budget. Enter your paychecks and bills once, and it projects your balance for every day ahead, so you can see the lowest point of the month and move a payment before it bounces. No bank linking needed.
Read the captions
- Cash Flow Positive. See your projected balance for every day of the month. Spot the days you are projected to run low, weeks ahead.
- A calendar of your projected balance, day by day. No bank linking needed.
- $4.99 a month or $39 a year, with a 14-day free trial.
- Sign in with an emailed link, no password. Then map your month in three steps.
- Step 1: add your account and today’s balance.
- Step 2: add your paychecks and bills, once. They repeat on their own.
- Rent, the car payment, the phone bill…
- Step 3: read the calendar. Every day shows its projected balance.
- Red means projected overdrawn: rent lands before payday.
- Click any day to see what is scheduled and why the balance moves.
- Set a low-balance line, and get an email before you cross it.
- Or import a CSV export from your bank; repeating bills are found for you.
- Days projected under your line turn yellow, and projected overdrawn days red.
- Now you can move a bill or plan around a tight week before it happens.
- Try it free for 14 days at cashflow.chimneytopdigital.com. $4.99 a month or $39 a year. Cancel any time; 14-day refund. Only the numbers you type in or import. It never connects to your bank.
What it does
- A month calendar of projected daily balances, with low days and days below zero flagged, up to 12 months ahead.
- Recurring income and bills: weekly, every two weeks, the 1st and 15th, monthly, quarterly, yearly or every N days.
- Checking, savings and credit cards, including how much of each card’s limit is used.
- CSV import from your bank’s export that spots the recurring items for you.
- An email alert the night before a projected low balance, and a monthly check-in.
- A free “Will I overdraft?” calculator to try before you sign up.
Who it is for
Anyone living close to the margin, paid on a schedule or on irregular income, who wants to know when the balance will be lowest this month.
Availability
Open now on the web, with a 14-day free trial and no card needed to start, and its prices are on our pricing page. iPhone and Android apps are to follow.
Good to know
Cash Flow Positive shows projections based only on the information you enter. It is not financial advice and cannot see your real bank balance.
Banks may post transactions on different days than scheduled; keep a cushion and check your bank before relying on a projection.
We never ask for bank passwords and never connect to your bank — there is no bank linking.
Connect an AI assistant
Cash Flow Positive offers its calculations to AI assistants over the Model Context Protocol: 5 free, read-only tools, no account needed. How to connect, and what the tools do.