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Will there be money at the end of the month? Cash flow and budgets

Free · up to 3 budgets (unlimited on Premium)

Two questions in one place. Cash Flow answers «will there be money at the end of the month?» and warns before the balance goes negative. Budget answers «how much is left to spend on this category?» and warns at the threshold you choose.

The forecast

Menu › Cashflow Budget. It opens on the Cash Flow tab. The line is the balance month by month: solid for what has already happened, dashed for what is coming. Under it, one card per month with what comes in, what goes out, the net and the balance at the end of the month; the months ahead are marked Projected.

The projection adds up what is already recorded, the active schedules — income and expense —, the documents still to pay or to receive, on their due date (overdue ones count in the current month), and the planned events you add by hand. Each line on a card shows where it comes from: a document, a schedule, or something added by hand. In the current month, what is already recorded is listed too.

At the top: the currency (All, or one at a time), the planned events, and the projection settings — Past months from 1 to 24 (6 to start with) and Future months from 1 to 12 (3 to start with). The choice is kept on this phone. In Both mode, PRO · ALL · PER shows one side or both.

The warning

When the balance would go below zero on a day ahead, a red warning appears at the top with that day — and, with an authorised overdraft on the accounts, how much of it would be left. Tap it: every projected payment, in order, with the balance after each one. The phone gets a notification too.

Planned events

Something coming once — a big purchase, a tax payment known in advance, a deposit expected: the + on the Cash Flow tab adds a planned event (Expense or Income, Professional, Description, Amount, Date). It counts in the forecast and nowhere else: it is not a movement and touches no account. The Planned events icon, at the top, lists them: tap one to edit it; its menu turns it into a document (when the invoice arrives) or into a schedule (when it turns out to repeat), or deletes it. When it is turned into something, the event goes only once the document or the schedule is saved.

Budgets

The Budget tab, next to Cash Flow › +. The limit, Professional when it is a business cost, the category, the period — monthly, weekly or yearly — and the Alert threshold, from 50 to 100 % (80 % to start with). Notify when reached adds a phone notification; it starts off. From version 1.7.3, the notification arrives as soon as the expense that reaches the threshold is saved, whichever way it was recorded — in the movement form, by paying a document, by an import or in a bank reconciliation —, once per budget and per period. The card shows what has been spent in the period, the limit and what is left: orange at the threshold, red over the limit, with how much over. Budgets that have reached their threshold also show in the dashboard bell; from version 1.7.3, tapping one there opens this tab on that budget's card.

From version 1.7.7 a book that arrives on the phone raises no budget notification: the first sync on a new phone, joining or leaving a shared space, another account signing in on the phone, restoring a backup, and bringing back a book that had been set aside. A budget the book brings already past its threshold counts as warned for the current period: in that period it does not notify, and in the next one it warns as usual; its card and the dashboard bell show it as always. An expense saved on this phone afterwards notifies as before, and one recorded on another device and brought by a later sync notifies on this phone too, once per budget and per period. Up to version 1.7.6, a new phone could notify, right after its first sync, about a budget that was already past its threshold.

Subcategory mode, at the top of the tab: switched on, a new budget can be limited to one subcategory — required when the category has some — and counts only what is spent there. It is not saved: it is off again when the screen reopens. With Projects on (Premium), a budget can also belong to a single project (General | Project).

Free: up to 3 budgets. Premium: unlimited.

Checked against ZeniCash 1.5.0 on 2026-09-10. Where a feature is Premium, it says so.