Free Cash Flow Tools
Quick calculators that demonstrate forward-looking cash flow projection - built on the same approach as Cash Flow Forecaster.
Can I Afford It?
Enter your current balance, upcoming bills, next income, and a purchase to see your projected lowest point.
Tax Reserve Calculator
Calculate how much to set aside for taxes. Supports US and Canada with self-employment tax, GST/HST, and CPP.
Freelance Rate Calculator
Calculate your minimum hourly rate based on income goals, expenses, and realistic billable hours.
Invoice Payment Predictor
Calculate when you'll actually get paid based on invoice date, payment terms, and client history.
Income Variability Calculator
Measure how stable your freelance income is. Get your variability score and emergency fund recommendation.
Want the full 90-day forecast?
Cash Flow Forecaster gives you a calendar projection across multiple accounts, recurring items, and scenarios.