See what a game plan actually looks like.
A full month of income and bills, mapped against real paydays — with sample data, so you don't have to enter a thing.
30-Day Cash Flow
Sample data
Same month. The mortgage waits for payday, and the low point stays above the alert line.
Operating Balance
$1,750
November 2026
30-Day Low
$1,750
Nov 1
End of Period
$7,605
Nov 30
30-Day Trend
| Date | Description | Amount | Running Balance |
|---|---|---|---|
| — | Starting Balance | $1,750.00 | |
| Nov 1 | Paycheck B | +$2,200.00 | $3,950.00 |
| Nov 3 | Paycheck A | +$2,850.00 | $6,800.00 |
| Nov 3 | Mortgage | -$2,150.00 | $4,650.00 |
| Nov 4 | Groceries | -$160.00 | $4,490.00 |
| Nov 8 | Credit card minimum | -$180.00 | $4,310.00 |
| Nov 10 | Gas | -$180.00 | $4,130.00 |
| Nov 12 | Car payment | -$485.00 | $3,645.00 |
| Nov 15 | Paycheck B | +$2,200.00 | $5,845.00 |
| Nov 16 | Groceries | -$200.00 | $5,645.00 |
| Nov 17 | Paycheck A | +$2,850.00 | $8,495.00 |
| Nov 20 | Utilities | -$320.00 | $8,175.00 |
| Nov 22 | Groceries | -$190.00 | $7,985.00 |
| Nov 25 | Insurance | -$210.00 | $7,775.00 |
| Nov 28 | Gas | -$170.00 | $7,605.00 |
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Sample data
See your whole picture.
Create clarity with a glance.
Budgets don't fail on math. They fail on timing.
30-Day Cash Flow
Sample data
Mortgage on the 1st. The large paycheck on the 3rd. The low point goes $400 below zero.
Operating Balance
$1,750
November 2026
30-Day Low
-$400
Nov 1
End of Period
$7,605
Nov 30
30-Day Trend
| Date | Description | Amount | Running Balance |
|---|---|---|---|
| — | Starting Balance | $1,750.00 | |
| Nov 1 | Mortgage | -$2,150.00 | -$400.00 |
| Nov 1 | Paycheck B | +$2,200.00 | $1,800.00 |
| Nov 3 | Paycheck A | +$2,850.00 | $4,650.00 |
| Nov 4 | Groceries | -$160.00 | $4,490.00 |
| Nov 8 | Credit card minimum | -$180.00 | $4,310.00 |
| Nov 10 | Gas | -$180.00 | $4,130.00 |
| Nov 12 | Car payment | -$485.00 | $3,645.00 |
| Nov 15 | Paycheck B | +$2,200.00 | $5,845.00 |
| Nov 16 | Groceries | -$200.00 | $5,645.00 |
| Nov 17 | Paycheck A | +$2,850.00 | $8,495.00 |
| Nov 20 | Utilities | -$320.00 | $8,175.00 |
| Nov 22 | Groceries | -$190.00 | $7,985.00 |
| Nov 25 | Insurance | -$210.00 | $7,775.00 |
| Nov 28 | Gas | -$170.00 | $7,605.00 |
Same money. Wrong timing.
30-Day Cash Flow
Sample data
Same month. The mortgage waits for payday, and the low point stays above the alert line.
Operating Balance
$1,750
November 2026
30-Day Low
$1,750
Nov 1
End of Period
$7,605
Nov 30
30-Day Trend
| Date | Description | Amount | Running Balance |
|---|---|---|---|
| — | Starting Balance | $1,750.00 | |
| Nov 1 | Paycheck B | +$2,200.00 | $3,950.00 |
| Nov 3 | Paycheck A | +$2,850.00 | $6,800.00 |
| Nov 3 | Mortgage | -$2,150.00 | $4,650.00 |
| Nov 4 | Groceries | -$160.00 | $4,490.00 |
| Nov 8 | Credit card minimum | -$180.00 | $4,310.00 |
| Nov 10 | Gas | -$180.00 | $4,130.00 |
| Nov 12 | Car payment | -$485.00 | $3,645.00 |
| Nov 15 | Paycheck B | +$2,200.00 | $5,845.00 |
| Nov 16 | Groceries | -$200.00 | $5,645.00 |
| Nov 17 | Paycheck A | +$2,850.00 | $8,495.00 |
| Nov 20 | Utilities | -$320.00 | $8,175.00 |
| Nov 22 | Groceries | -$190.00 | $7,985.00 |
| Nov 25 | Insurance | -$210.00 | $7,775.00 |
| Nov 28 | Gas | -$170.00 | $7,605.00 |
Same money. A plan.
A closer look
Three things to notice.
30-Day Cash Flow
Sample data
Mortgage on the 1st. The large paycheck on the 3rd. The low point goes $400 below zero.
Operating Balance
$1,750
November 2026
30-Day Low
-$400
Nov 1
End of Period
$7,605
Nov 30
30-Day Trend
| Date | Description | Amount | Running Balance |
|---|---|---|---|
| — | Starting Balance | $1,750.00 | |
| Nov 1 | Mortgage | -$2,150.00 | -$400.00 |
| Nov 1 | Paycheck B | +$2,200.00 | $1,800.00 |
| Nov 3 | Paycheck A | +$2,850.00 | $4,650.00 |
| Nov 4 | Groceries | -$160.00 | $4,490.00 |
| Nov 8 | Credit card minimum | -$180.00 | $4,310.00 |
30-Day Cash Flow
Sample data
Same month. The mortgage waits for payday, and the low point stays above the alert line.
Operating Balance
$1,750
November 2026
30-Day Low
$1,750
Nov 1
End of Period
$7,605
Nov 30
30-Day Trend
| Date | Description | Amount | Running Balance |
|---|---|---|---|
| — | Starting Balance | $1,750.00 | |
| Nov 1 | Paycheck B | +$2,200.00 | $3,950.00 |
| Nov 3 | Paycheck A | +$2,850.00 | $6,800.00 |
| Nov 3 | Mortgage | -$2,150.00 | $4,650.00 |
| Nov 4 | Groceries | -$160.00 | $4,490.00 |
| Nov 8 | Credit card minimum | -$180.00 | $4,310.00 |
30-Day Cash Flow
Sample data
The 30-day low stays above the warning line. Green means you're clear.
Operating Balance
$3,250
November 2026
30-Day Low
$3,250
Nov 1
End of Period
$9,105
Nov 30
30-Day Trend
| Date | Description | Amount | Running Balance |
|---|---|---|---|
| — | Starting Balance | $3,250.00 | |
| Nov 1 | Paycheck B | +$2,200.00 | $5,450.00 |
| Nov 3 | Paycheck A | +$2,850.00 | $8,300.00 |
| Nov 3 | Mortgage | -$2,150.00 | $6,150.00 |
| Nov 4 | Groceries | -$160.00 | $5,990.00 |
| Nov 8 | Credit card minimum | -$180.00 | $5,810.00 |
Questions
Before you start.
Is this my data?
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How is this different from my budgeting app?
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