Overview
Here you'll see what you can spend, how many months your money lasts and the months ahead. First, the steps above.
Accounts
- In your accounts today
- –
- You can spend
- –
- Certain income only, even with “Expected”
- In 6 months
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How it's calculated
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
Arrows 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, in euros. The dashes show the target amount or the expenses the pocket will pay in 12 months.
Goals
Simulator · buying a home
Property
Short-term rental
Home goal
Simulator · pension fund
–Parameters
Fund growth over time
Return scenarios
| Net return | Fund value at 67 | Gain | €/month income* |
|---|
Path comparison
| Path | Avg. return | Fund value | Δ vs Growth |
|---|
Flat-rate regime note
Extra contributions
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: Scalable and Trade Republic have no public connection, updating it weekly or monthly is enough.
Even under the flat-rate regime (Italy) realized capital gains and losses go in your tax return (RT section of the 730 or Redditi PF), taxed at 26%. Scalable and Trade Republic are not Italian tax withholding agents: you declare them yourself, losses too (recoverable in the next 4 years).
Sales
Settings
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Amounts you entered stay as they are. Only sources in another currency are converted at exchange rates
Category → Cash Flow item
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