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
Production · Active Development · Local-firstUnderstand today.
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.
Deterministic, rules-based views · Review before acting
Public application; the November snapshot has a verified production deployment. Some payment workflows still await full live acceptance, as explained below.
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?
Why Cash Flow
A bank balance is not necessarily usable money.
Money visible across several accounts may already be economically committed to card payments, loans, rent, protected savings or upcoming obligations. Cash Flow separates what is visible, protected, required, paid, scheduled, already reflected in a baseline, estimated and still awaiting verification.
Questions it helps answer
How much can I actually plan with? What needs attention now? What happens before the next known cash-in? Which debts have enough evidence to model?
Financial information should help the user understand what requires attention next without converting uncertain information into false certainty.
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.
- 01Track
Manual spreadsheet records captured what happened.
- 02Understand
Balances became structured into visible, protected and usable planning cash.
- 03Plan
Obligations, fixed-outflow trajectories and 3, 6 and 12-month forecasts show what may happen next.
- 04Review
Verification signals, payment status and Priority Plan create a clearer review workflow.
How Cash Flow works
From records to a practical review.
- 1
Tell Cash Flow what you have
Add cash accounts, expected income, cards, fixed loans, BNPL / PayLater, personal IOUs and obligations.
- 2
Record what actually happened
Record payments locally, including partial payments, reversals with audit history and current-cycle balance refreshes.
- 3
See what is coming
View known and expected cash movement across deterministic 3, 6 and 12-month forecast horizons.
- 4
Review before acting
Uncertain, pending or potentially double-counted items stay visible for review instead of being silently treated as fact.
- 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.
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$1,860Current statement due in the example period.
Credit Card B
S$910Separate card timing remains visible rather than being blended into cash automatically.
Loan repayment
S$520 / monthAgainst a fictional S$12,600 outstanding personal / renovation loan.
Insurance
S$310Known monthly commitment.
Household + family
S$1,180S$580 household, utilities and telecom plus S$600 family contribution.
Other recurring items
S$1,150Other 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.
Immediate Outlays / Pay Now includes unresolved immediate cash items only; future, scheduled, card-deferred and verification items remain separate.
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.
Keep the essentials in view.
Simple Mode puts recorded cash, planning pressure, a Next Review card and action counts first. Debt Progress stays available in an expandable section.
Inspect the evidence.
Advanced Mode keeps full debt, reconciliation and diagnostic detail in view, using 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.
Production capabilities
One system for position, settlement and timing.
Know your position
Cash Accounts, protected reserves, usable planning cash and Estimated Current Cash where applicable.
Review attention
Priority Plan, Payment Calendar, current-cycle review and Verify First states.
Track settlement truth
Unified Payments supports partial and combined payments, history, reversals, allocations, execution evidence and funding-impact classification.
See timing and reconcile
Cashflow Bridge, deterministic 3 / 6 / 12-month Forecast, cash refresh, cash-in reconciliation, baseline-aware treatment and duplicate protection.
Model supported debt
Deterministic scenarios, finance costs, marginal comparisons and multi-debt allocation for supported debts operate only within evidence and provenance boundaries.
Keep control of data
Validated JSON backup/restore, Excel reference import and supported official text-PDF statement import include preview and confirmation.
Payments
More than paid or unpaid.
Cash Flow distinguishes the intended payment source, the actual source, the effect on current cash and whether that effect is already represented elsewhere. A card-funded merchant purchase and the later bank-to-card repayment are different economic events; preserving that distinction helps avoid double-counting.
Review views
Balance → attention → timing.
Balance records now. Priority Plan identifies current attention. Cashflow Bridge follows usable cash to the next known cash-in. Forecast extends recorded assumptions over a longer horizon.
Bounded debt modelling
Mandatory risk is not discretionary repayment economics.
Cash Flow models supported purchase-only cards, reducing-balance loans and fixed-contract loans using deterministic finance-cost and marginal-repayment comparisons. Mandatory, overdue and current required payments are considered before genuinely discretionary extra repayment.
The owner-directed category preference—credit cards, then personal IOUs, BNPL / PayLater and fixed loans—is a bounded modelling preference after applicable reserves and required obligations, not universal financial advice. Some categories may remain outside the simulation portfolio, and fixed-loan prepayment requires explicit evidence.
Mixed-card boundary
Mixed-card evidence, revolving exposure, scope, freshness, reconciliation and issuer-allocation evidence can be represented. Production mixed-card repayment simulation is not enabled; the simulator remains restricted to supported PURCHASES_ONLY models.
Fail-closed design
Known, estimated or still to verify.
When evidence for a material rule is insufficient, Cash Flow prefers Unavailable, Verify First or Excluded from modelled allocation instead of silently filling the gap.
APR, interest method, grace state, balance composition, minimum-payment rules and prepayment treatment are examples of facts that can change whether modelling is safe.
Latest development review · 11 November 2026
A clearer view of debt, payments and what needs attention.
October–November development makes the financial overview easier to read, with a simpler Dashboard, paid-versus-remaining debt indicators and clearer next-review actions. Recorded balances, planning estimates, incomplete records and uncertain reconciliation stay distinct.
The essentials first
Simple Dashboard brings recorded cash, planning pressure and one Next Review card forward. Expand Debt Progress when you need it, or use Advanced Dashboard for the full detail. Recorded cash describes your records; planning cash applies the relevant protections and assumptions.
See debt in context
Read-only indicators show recorded payments and tracked remaining debt across supported cards, loans, BNPL and personal IOUs. Missing original amounts or uncertain issuer reconciliation remain unknown or flagged. Personal receivables are non-liquid assets, not cash available to spend.
A more consistent payment review
Payment Calendar and Priority Plan share payment decisions, with funding assessment and a Next Best Payment Action to guide review. Supported payments remain tied to the correct statement cycle, including partial payments and their history. Historical association and duplicate protection help avoid counting the same recorded payment twice while preserving evidence.
Clearer timing and protection
BNPL instalment endings, statement-payment history and Forecast charts are more reliable and readable. Issuer minimums, cash reserves and verification warnings inform the review. A lower current balance alone does not prove a statement was paid; money protected in a plan is not moved or locked at a bank.
Review before acting. Routine living spending is not yet included in payment-capacity calculations; unrecorded spending can reduce what is available. Funding assessments consider items within their stated scope and do not reserve a shared pot for every suggested action. There is no guarantee of spending capacity. You control payment recording and make any actual payment yourself; Eira explains the recorded results.
Availability and validation: this snapshot has a verified READY Vercel production deployment. That does not establish universal live workflow acceptance. Earlier owner live checks passed, and the core historical-payment association was owner-attested after save/reload; full lifecycle sign-off and an ordinary new-payment live acceptance check remain pending. Cash Flow does not initiate bank payments or execute payments automatically.
Unsupported mixed-rate optimisation remains blocked. Insufficient issuer evidence, incomplete records and uncertain reconciliation continue to require verification. The system is designed to fail closed rather than guess financial information.
For nerds — technical details
Technical evidence links may require authorized GitHub repository access.
Reporting window: 21 October–12 November 2026; evidence verified on 11 November against main · 8794b9a28ef1. Current AppState progressed from Schema 74 to Schema 77; Backup v3 remains unchanged. No newer main commits were present at verification.
- Forecast correction and repayment-purpose classification: PR #222; personal receivables: PR #223.
- Issuer minimum, reserve and verification safeguards: PRs #225, #226, #227, #228.
- Historical association, duplicate-economic-event prevention and evidence preservation: PRs #231, #232, #233, #234, #235.
- Unified payment decisions, funding assessment, Next Best Payment Action and Forecast readability: PRs #236, #237, #238, #239.
- Historical payment deduplication, BNPL-tail corrections and Cashflow 17 UAT fixes: PRs #240, #241, #242, #243, #244.
- Read-only Debt Progress: PR #245; Simple/Advanced Dashboard presentation: PR #246.
J1 and J2 have documented live passes. J3 core ALREADY_IN_BASELINE association is owner-attested; full-lifecycle sign-off remains pending. J4 ordinary APPLY_NOW live acceptance remains pending. CF-RM-117-J remains open; CF-RM-119-C is frozen. CF17-UAT-04 completed-payment recommendation consistency remains open. G7M-C is closed; G8 is not authorised. See the dated acceptance record.
PR #246 records 2,959 unit tests passed across 207 files with the required held-test exclusion, and 218 Playwright tests passed. These are product-repository results, not tests rerun for this website refresh. Earlier October evidence included 12 pre-existing failures; it is not the latest aggregate result. See validation and financial-parity evidence. Production deployment evidence (authorized Vercel access may be required) identifies this exact source commit as READY.
What's next
Finish live acceptance, then deepen reconciliation.
The immediate priority is the remaining owner-controlled live checks for supported statement payment recording and reconciliation. No automatic bank payment or unsupported mixed-card optimisation is planned as part of that closure.
Living Cash Accuracy & Reconciliation remains paused until statement-servicing acceptance closes. Later work includes safer use of Estimated Current Cash across planning views, explaining freshness and unexplained balance differences, income timing, recurring commitments, sinking funds, plan-versus-observed review and deterministic stress scenarios. Further payment-review experience improvements are planned, not implemented. These are roadmap intentions, not available features or delivery promises.
For nerds — technical details
CF-RM-117-J remains open. CF-RM-119-C is frozen; CF-UX-02 is planned, not implemented; later CF-RM-119 stages and CF-RM-121–126 remain planned. G7M-C closure does not authorise G8.
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. Version 3 backups use validation, migration, restore preview, transactional writes and read-back verification; no recovery outcome is guaranteed.
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 financial database, account authentication or cross-device sync
- No cloud OCR, remote PDF processing or telemetry/analytics
- No automatic payment execution
- 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 review how the workflow works first.
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.