The Story

I was guessing and stressing about my finances. Some months had two paychecks, some three — I never really knew where I stood. It took me DAYS to sort this out with spreadsheets so I built this tool for my own use. It’s so easy to use that I wanted to share it.

How It Works

• 1Setup: Set your current bank balance as the starting point.
• 2Add Recurring Transaction: Add your recurring bills and income — rent, paycheck, subscriptions, anything that repeats.
• 3Add One-Time Transaction: Add special purchases or income. You can even do a Balance Override to reflect your account balance at any time.
• 4Cash Flow Timeline: Your running balance projected weeks, months, or years into the future. Hide Previous lets you start with today — or any other date.

Remember: this is forecasting, not accounting.

Your Privacy

DRIFTmoney runs entirely in your browser. Your financial data is stored only on your device using your browser’s local storage — your financial data is never transmitted to any server. There are no accounts, no ads, and no analytics on your financial data.

When you close the tab, your data stays on your device. Use the Export button to back it up as a file you control.

You can even save this page to your computer and run it offline — no internet required.

DRIFTmoney uses Google Analytics on both the landing page and the app to collect anonymous usage data — pages visited, session duration, and general location. This helps understand how people find and use the tool. Your financial data never leaves your browser under any circumstances — analytics sees only that you visited, never what you entered.

Disclaimer

DRIFTmoney is a personal cash flow forecasting tool, not financial advice. The projections it generates are based solely on the data you enter. Always consult a qualified financial advisor for decisions that affect your financial wellbeing.

Support This Project

DRIFTmoney is free and will stay free. No subscription, no upsell, no catch.

If it’s helped you see where you’re headed, consider supporting what comes next — mobile sync, new features, and whatever the community asks for.

Spread the Word

I designed this project to help myself and other people. If it helps you, why not help others? Just send driftmoney.app to someone who might benefit.

Open & Transparent

DRIFTmoney is a single HTML file — there’s nothing hidden. You can open it in any text editor and read exactly how it works. It’s published on GitHub under the MIT License, which means you’re free to use it, modify it, and share it.