EireneOS
Public application · active development · local-first

Cash Flow by EireneOS

Understand today.
Plan what comes next.

A local-first financial visibility and payment-review workspace. Understand what cash you have, what must be protected, what is coming due and how known obligations may affect the months ahead.

See how it worksMeet Eira ↓

Deterministic, rules-based views · Review before acting

What cash is visible?

What should remain protected?

What is actually usable?

What payments are coming?

What still needs verification?

What may happen over 3 / 6 / 12 months?

How it started

It started with a spreadsheet.

Born from real-world use. Before Cash Flow became software, personal finances were tracked manually in Excel—accounts, income, expenses, cards, loans and upcoming payments reviewed line by line.

That worked, but it exposed a bigger problem: recording what happened does not automatically tell you what is genuinely available, what is already committed, what should remain protected, or what needs attention next. Cash Flow grew from that workflow.

That spreadsheet connection remains. Excel snapshot import is supported through a defined template, with validation, preview and warnings. It does not automatically understand arbitrary spreadsheets.

  1. 01
    Track

    Manual spreadsheet records captured what happened.

  2. 02
    Understand

    Balances became structured into visible, protected and usable planning cash.

  3. 03
    Plan

    Obligations, fixed-outflow trajectories and 3, 6 and 12-month forecasts show what may happen next.

  4. 04
    Review

    Verification signals, payment status and Priority Plan create a clearer review workflow.

How Cash Flow works

From records to a practical review.

  1. 1

    Tell Cash Flow what you have

    Add cash accounts, expected income, cards, fixed loans, BNPL / PayLater, personal IOUs and obligations.

  2. 2

    Record what actually happened

    Record payments locally, including partial payments, reversals with audit history and current-cycle balance refreshes.

  3. 3

    See what is coming

    View known and expected cash movement across deterministic 3, 6 and 12-month forecast horizons.

  4. 4

    Review before acting

    Uncertain, pending or potentially double-counted items stay visible for review instead of being silently treated as fact.

  5. 5

    Use Priority Plan

    Review current payment pressure and progress through clear, rules-based categories.

Cash Flow product concepts

Not every dollar means the same thing.

Cash Flow deliberately separates these planning concepts. They are product definitions, not universal accounting definitions.

Visible cash
What tracked cash accounts currently show.
Protected cash
Money intentionally kept aside rather than treated as freely usable.
Usable planning cash
The amount available for planning after applicable protection.
Known obligations
Payments that are already part of your plan.
Needs review
Anything pending, unclear, potentially duplicated or requiring verification.
Card-deferred pressure
Spending or payment effects that belong to card timing rather than immediate bank cash.
Illustrative example · fictional person and amounts

What this looks like in real life

A healthy bank balance can still need context.

Meet Alex, a fictional 40-year-old working adult with savings, two credit cards and a personal loan. The example shows why Cash Flow separates what is visible from what is protected, usable for planning and already committed.

Sample profile

Alex, 40

Working adult · Singapore-dollar example

Monthly take-home pay
S$5,200
Cash across tracked accounts
S$42,850
Protected emergency savings
S$24,000
Personal / renovation loan outstanding
S$12,600

Cash Flow view

What today's balance becomes when it is put in context.

Visible cash
S$42,850
− Protected cash
S$24,000
Usable cash
S$18,850
− Known next-30-day obligations
S$5,930
Remaining planning buffer
S$12,920

This is an illustrative planning view, not a recommendation to spend the remaining amount.

Credit Card A

S$1,860

Current statement due in the example period.

Credit Card B

S$910

Separate card timing remains visible rather than being blended into cash automatically.

Loan repayment

S$520 / month

Against a fictional S$12,600 outstanding personal / renovation loan.

Insurance

S$310

Known monthly commitment.

Household + family

S$1,180

S$580 household, utilities and telecom plus S$600 family contribution.

Other recurring items

S$1,150

Other known obligations selected for the next 30 days.

Available forecast horizons

Today's usable cash is not the whole story.

Choose the horizon that fits the review

TodayCurrent position
3 monthsForecast horizon
6 monthsForecast horizon
12 monthsForecast horizon

Sample profile only. Alex is fictional. The horizon labels show the forecast views available in Cash Flow without presenting invented projected balances for this example.

Deterministic forecast

See beyond today's balance.

Forecast combines current tracked cash with known or selected future cash-in and cash-out. Switch between 3, 6 and 12-month views, while fixed-outflow trajectories and Cashflow Bridge show how commitments connect today with the months ahead.

Detailed review can expose starting visible cash, known cash-in and cash-out, funding-impact classifications, projected visible and usable planning cash, low points and review warnings. The results are deterministic estimates from the records supplied—not predictions or advice.

Today3 months6 months12 months

Verify First

When Cash Flow isn't sure, it should say so.

Some financial records are incomplete, pending or ambiguous. Cash Flow is designed to surface those cases for review rather than silently guessing.

  • Pending items
  • Unclear payment source
  • Possible duplicates
  • Card-timing ambiguity
  • Imported records needing reconciliation

Priority Plan

Know what deserves attention.

Priority Plan groups current payment-review items into states such as Pay Now, Verify First, Scheduled, Part-paid and Resolved. The unified Payments workspace records single or partial payments, bank-to-card settlements, execution evidence and deterministic reversals with audit history.

Important: These labels organise review. They are not personalised financial advice or definitive affordability decisions.

Cashflow Bridge

Connect now with next.

Cashflow Bridge connects the current cash position, upcoming obligations, pay-cycle timing and short-term cash pressure in one review-oriented view.

Eira V1 · available now

Meet Eira

Explanation and guidance, without taking control.

Cashflow calculates. Eira observes, explains, routes and prepares. You decide and execute.

Eira uses Cash Flow’s canonical results rather than becoming a second calculation engine. Setup Guide, Today Review, Contextual Help, Verification Guide and Explain This help you understand the current screen and the information already in your workspace.

Bounded by design

  • Targets explanations to the current context and viewport
  • Does not move money or execute payments
  • Does not make financial decisions
  • Does not invent missing financial facts
  • Does not silently modify financial state

A review workspace, not a feature gate

Choose the level of detail you need.

Simple review

Keep the essentials in view.

Review cash, obligations, payment timing and items that need verification without exposing every supporting detail at once.

Advanced review

Inspect the evidence.

Open deeper source, validation, confidence and audit detail while working from the same underlying records and results.

No implemented paid split is advertised. Future commercial tiers may evolve, but current 3, 6 and 12-month Forecast views are presented as current product capability rather than promised paid access.

Current local-first architecture

Your working data stays local to the app origin.

Cash Flow currently stores its working data locally in your browser/device for the specific site origin. You can create a local JSON backup and restore it later.

Backup and restore use local JSON files. Imports support the defined Excel snapshot template and supported official text-PDF statements, with validation, confidence, preview and warnings before records are accepted.

What not to expect today

  • No active bank sync or live bank feed
  • No cloud account sync
  • No remote database/account sync
  • No claim that arbitrary PDFs, scans or unsupported statement formats can be understood

Local-first does not mean “zero risk” or make an absolute privacy guarantee. Keep your own backups and protect access to your device.

Review before acting

See your records in context.

Open the public application to organise your own local data, or revisit how the workflow and current review workflow works first.

Review how it works

Cash Flow organises records and provides rules-based estimates for review. It does not provide financial, legal, tax, debt, investment or other regulated advice. Review before acting.