PremiumPart of Dashboard widgets
Cash-flow projection widget
The Cash-flow projection widget forecasts your liquid balance day by day for 30 or 90 days, using your income, spending and upcoming bills. Premium.
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Problems it solves
- I worry I will run short before the next salary.
- I do not know how much my upcoming bills will dent my balance.
- I want to see the lowest my balance will go.
What it is
The Cash-flow projection widget is a balance forecast on your dashboard. It draws where your liquid money is heading over the next 30 or 90 days, so you can see a short month coming before it arrives.
What problem it solves
Your balance today is not the question. The question is what it will be after the rent, the school fee and the EMI. The widget adds your usual income and spending and takes out the bills you have set up, then shows the lowest point so you know how tight it gets.
How it works
- Set up your recurring bills. See recurring transactions.
- On Home, choose Customize dashboard, Add widget, then Cash-flow projection. This needs Premium.
- Read the card. It shows Projected balance, Lowest point with its date, a chart, “in upcoming bills” and the horizon, for example “Next 30 days”.
- To change the horizon, open Configure widget, choose 30 or 90 days and tap Save.
Details and rules
- Plan: Premium.
- Formula: liquid total today, plus 6 month average daily income, minus average daily variable expenses, minus scheduled recurring occurrences.
- Variable expenses leave out transactions auto-created by recurring series, which are modelled directly. Transfers are excluded.
- Horizon: 30 days (default) or 90 days.
- It is a projection from your history, not a promise. New accounts with little history give a rougher line.
- Works offline from the last saved copy.
Works with
Ask an AI assistant
Try: “Will my balance go below zero in the next 30 days?” The assistant uses get_cash_flow.
For AI assistants
Lipi’s MCP server gives an assistant these tools for this feature:
get_cash_flow
Questions and answers
What does the Cash-flow projection widget show?
A line chart of your projected liquid balance for the next 30 or 90 days, the projected balance at the end, the lowest point and its date, and the amount in upcoming bills.
How is the projection calculated?
It starts from your liquid balance today, adds your average daily income over the last 6 months, subtracts your average daily variable spending, and subtracts the recurring bills scheduled in the period.
Is the Cash-flow widget free?
No. It is a Premium widget.
Are transfers counted?
No. Transfers between your own accounts are left out, and spending that was created by a recurring series is counted once through the recurring schedule, not twice.
Can Lipi forecast my balance like other budgeting apps?
Yes. Lipi projects your balance from your own history and your recurring bills, and an AI assistant connected to Lipi can read the same projection.
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More in Dashboard and reports
Reports and summaries
Lipi reports are built into the app: the Transactions month summary (spent, earned, net, not counted, by category), dashboard widgets, CSV and JSON exports (Premium) and report tools for AI assistants.