See your cash flow, and the day you’d dip below zero.
Cash flow shows your balance today and where it is heading in 30, 60 and 90 days. The estimate comes from your recent spending and the recurring bills and income you have set up. The forecast is free on every plan. Plus and Max add a dated timeline.
Where your balance is heading.
Open the Cash flow shortcut. At the top is your Current balance, converted to one currency so your cashbooks add up. Under it are three cards: 30 days, 60 days and 90 days, each with the balance Folko expects by then.
Below the cards is a single verdict. It reads Your balance is healthy, Projected deficit if you are already at or under zero, or N days until zero if your balance is positive and running down.
What the forecast is based on.
Folko takes two things. The first is your Daily average: your net money in and out over the last 30 days, divided by 30. The second is your recurring transactions, which are added on their own due dates instead of being averaged out.
The forecast is about you. In a shared cashbook, only your part of a split counts as your spending.
A rent payment due on the 1st is counted on the 1st. It also means the forecast is only as good as your recurring list. If a bill is not set up as a recurring transaction, Folko cannot see it coming.
What happens in the first weeks.
A trend needs data. Until you have at least 15 days of activity and three transactions, Folko does not extrapolate your spending. It shows an Early estimate card instead of a verdict, and the three projections carry your current balance plus whatever is already scheduled.
With nothing logged and nothing scheduled, the screen says it is too soon to tell and offers a button to log a transaction.
The dated timeline.
On Free, Cash flow has an Upcoming recurring list of the next five recurring items, each with its frequency and how many days away it is.
On Plus and Max, that list is replaced by a timeline called Coming up. Pick 30 days, 60 days or 90 days. Every scheduled bill and income in that window gets a row with its date, its amount and the Balance after it.
When the running balance would cross zero, a row reads Balance goes below zero and gives the date. A bill set to Paid automatically is tagged Automatic. One with a Payment Alert is tagged Payment Alert.
If you are on Free and have recurring transactions, a card at the bottom describes the timeline and opens the upgrade screen.
Cash flow, answered.
Does the cash flow forecast cost anything?
The current balance, the 30, 60 and 90 day projections and a short Upcoming list are free on every plan. Free shows a days-until-zero verdict. The dated timeline, with the date the balance goes below zero and the bill rows leading up to it, is on Plus and Max.
How does Folko work out the forecast?
It starts from your current balance, applies your average daily net over the last 30 days, and adds each recurring transaction on its own date.
Why does Cash flow call mine an early estimate?
There is not enough activity yet to project a spending trend. Folko needs at least 15 days of history and three transactions. Until then it shows your current balance and anything already scheduled.
Does the forecast include other people’s spending in a shared cashbook?
Only your share counts. In a shared cashbook, just your part of a split goes into your spending.
Coming to iOS and Android.
Free forever. Send us a note and we’ll write back the day it’s out.
Notify me at launch