Cash flow planner
Safe to Spend, Until Payday.
Your cash, less bills, loan payments, what this month’s plan still needs and your emergency fund top-up.
Free to use. Windows. No bank login.
The working
Mohab’s Safe to Spend, Line by Line.
On 2026-10-04, with the next salary on 2026-11-01.
Safe to Spend
Until the next salary, 2026-11-01
- Free cashYour cash, less reserves and bills due219,566
- Bills and loan paymentsBefore the next salary−4,460
- Budget left to spendWhat this month’s plan still allows−25,017
- Emergency fund top-upThis month’s share of rebuilding it−11,667
- Safe to spend178,423
The next three months
Your Cash, Month by Month.
Salary, bills, loan payments and the emergency fund top-up are already in the forecast.
Good questions
Cash Planning, Answered
What is free, what is promised, and what is coming.
What is free cash?
Cash you can spend without touching your reserves or leaving a bill unpaid.
Why isn’t safe to spend just my bank balance?
Part of your balance is already promised: bills and loan payments before payday, the rest of this month’s budget, money set aside for goals, your emergency fund’s monthly top-up, and money you hold for others.
What if my salary comes on a different day?
Safe to spend runs until your next expected income, whatever day it lands. A long gap between two salaries is covered month by month. A bill due on a Friday or Saturday can move to the Thursday before or the Sunday after.
Does it include loans and installments?
Yes. Enter a loan as its payments: the amount, the next date and how many are left. Each payment is in the forecast, and Lightning shows when it is paid off.
Is the forecast a promise?
No, it is an estimate, and Lightning marks it as one. It carries your free cash forward with what is scheduled, so a quiet month and a heavy one look different before they arrive.
Where do the bills come from?
From what you add as bills, subscriptions and loans. Lightning also spots payments that repeat about monthly and offers to track them. Bills that repeat.
Keep reading
More Money Questions
Each one answered with Mohab’s year, our sample household.
How Do I Build a Monthly Budget in EGP?
A plan for each category that fits your salary, and what’s left every day.
How Do I Work Out My Net Worth?
Add up what you own in EGP, then take off what you owe and what isn’t yours.
Where Did My Salary Go?
Every pound out, by category, from your statements and the cash you spent.
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