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CarmenWiseCash Flow Forecast
12-month forward projection · multiple income sources · scenario modeling
● Base scenario
⚠ Demo data — sign in to enter your real income and expenses.
Projected total income
$156,900
Next 12 months
Projected total expenses
$100,445
Next 12 months
Projected net savings
$56,455
Next 12 months
End cash position
$91,455
May 2027 savings balance
12-month cash flow projection
IncomeExpensesNet savingsCumulative cash
Month-by-month breakdown
| Month | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Jan | Feb | Mar | Apr | May |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | $14,950 | $14,950 | $14,950 | $12,450 | $12,450 | $12,450 | $12,450 | $12,450 | $12,450 | $12,450 | $12,450 | $12,450 |
| Expenses | $7,814 | $7,886 | $7,869 | $7,968 | $8,074 | $10,760 | $10,760 | $8,015 | $7,749 | $7,773 | $7,793 | $7,984 |
| Net | $7,136 | $7,064 | $7,081 | $4,482 | $4,376 | $1,690 | $1,690 | $4,435 | $4,701 | $4,677 | $4,657 | $4,466 |
| Cumulative | $42,136 | $49,200 | $56,281 | $60,763 | $65,139 | $66,829 | $68,519 | $72,954 | $77,655 | $82,332 | $86,989 | $91,455 |
Cumulative cash position
Annual income vs expense breakdown
SavingsFixedVariable
Key events & alerts
🏠
Jun–Aug
Rental income adds $2,500/mo — deploy strategically to investments.
🎄
Nov–Dec
Holiday spending spike projected at $7,680/mo. Budget accordingly.
📈
All year
Savings rate stays above 28% every month except Nov-Dec holidays.
💳
Ongoing
Credit card payoff saves $3,570/yr in interest — frees cash by Aug.