Overview
Here you'll see how much you can spend today, how many months your money lasts and how the next months will go. First add your account balances and main items (the steps above).
Accounts
You can spend
–
Next arrivals
The month's lines
Transactions
Points & miles
Sort transactions
The month day by day
By item
Rules
Cash Flow
Rotate your phone to see more months at once
Header, first column and month end stay fixedArrows to move · Enter edits · Esc cancels · Del resets to the base amountAmount in color: that month only · above or below expected · “exp.”: expected
Future events
Business
Passive income
–Per month · average of the next 12 months
Costs · Recurring
Customers
Declined payouts · 30 days
Renewals · next 12 months
Net payouts by month
2026Renewals · 30 days
No payouts yet
Trend
Month by month
2026Net payouts by month
2026Pockets
Free
0 €
Same scale for all: the water height is in euros. The dashed line inside a tank is the target amount, or the expenses the pocket will pay over the next 12 months.
Goals
Full simulator · home purchase
Property details
Airbnb yield
Home purchase goal
Full simulator · pension fund
–Parameters
Fund growth over time
Return scenarios
| Net return | Fund value at 67 | Gain | €/month income* |
|---|
Life Cycle path comparison
| Path | Avg. return | Fund value | Δ vs Growth |
|---|
Flat-rate regime note
Extra contributions
Full simulator · investments
–Portfolio by broker
Enter the value of at least one broker (or the total invested) to see value, gain and performance.
Allocation by broker
| Broker | Value | % of portfolio |
|---|
Projection settings
Capital growth over time
Scenarios by time horizon
| Scenario | Net rate | At 5 years | At 10 years | At 20 years |
|---|
Extra contributions
Tracking notes
This module is manual: it doesn't connect via API to Scalable or Trade Republic (neither offers public consumer APIs). Periodic updates (e.g. weekly or monthly) are enough for an overall view of your net worth.
Under the flat-rate regime (Italy) remember that realized gains/losses still go in your tax return (section RT of the 730/Redditi PF) — they're taxed at 26% regardless of the regime. EU brokers (Scalable, Trade Republic) are not Italian tax withholding agents: you have to declare them yourself, losses included (to offset them over the next 4 years).
Sales
Incoming refunds
Settings
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Amounts you typed (Cash Flow items, manual balances, goals, pockets, sales) are not converted: they are already in the main currency. Only sources in another currency are converted with exchange rates: bank accounts, Hosting subscriptions and expenses, Fiverr and Stripe.
Category → Cash Flow item
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