Cash Outlook & runway
An app that warns you on the 31st is not worth its air.
A budgeting app that tells you on the last day of the month that you spent $4,000 more than you should have is insulting. The money is gone. All it has done is read you the news.
Cash Outlook reads your real history and tells you how many days of liquid cash you have, as a range, with the assumptions written down, while you can still do something about it. This is mine, on a morning it had bad news for me.
7 days free, then $12.99 a month or $89.99 a year. Card required, cancel anytime before your first payment.
Free trial for first-time customers; if your organization has subscribed before, the paid plan starts at checkout. Renews automatically until you cancel in Settings. Taxes may apply.
A range, not a number.
The future is not one number, and I refuse to draw it as one. The base case sits inside a low-to-high band that widens with how variable your history has been and how much of it the model trusts. When the band is wide, that is information too.
- Liquid cash from your checking, savings and cash accounts, in the currency you report in.
- Monthly inflow, gross outflow, debt service and net burn, each kept separate, never blended.
- A low, base and high path up to 365 days ahead, and the runway as a range with a confidence grade.
The assumptions are written down.
Open the details and the model shows its work: what is driving the outlook, what is scheduled, how much history it had, and what it does not trust. If a bank connection needs reconnecting, it says so and lowers its own confidence rather than pretending.
- The biggest monthly drivers, in and out, named.
- Scheduled commitments included: your recurring streams and known loan payments, modeled on their own so nothing is counted twice.
- Confidence, history used, posted and pending counts, the date the data runs through, and every data quality note.
My own ledger, September 2026
- live accounts
- 66
- live bank connections
- 20
- institutions on three continents
- 18
- currencies, one net worth
- 4
- credit cards
- 36
- internal transfer pairs caught
- 97
- transactions, back to May 2012
- 5,410
- receipts on file
- 1,017
- recurring payments tracked
- 54
It is arithmetic, not a guess.
Cash Outlook starts from the balances in your liquid accounts and up to 180 days of posted history. Pending rows, matched internal transfers and balance or exchange-rate adjustments are left out, so a card payment never counts as spending and a corrected balance never counts as income. Recurring streams and known loan payments are modeled separately from the rest of the cash flow. The same ledger gives the same outlook every time. No AI writes it; AI only explains it when you ask.
Ask it why.
From the panel, Ask Quaestor opens the assistant with the question already drafted: explain my latest outlook, its assumptions and its biggest drivers. It reads the same snapshot you are looking at, keeps inflow, outflow, debt service and burn distinct, and calls the runway what it is: an estimate. The weekly briefing carries the same outlook, frozen at send time, so what you read on Monday is what was true on Monday.
Frequently asked questions
- Is the forecast AI?
- No. It is arithmetic. Cash Outlook reads your liquid balances and up to 180 days of posted history, leaves out pending rows, matched transfers and balance adjustments, models your recurring streams and known loan payments separately, and projects a low, base and high path up to 365 days ahead. The same ledger gives the same outlook every time, and it shows its assumptions. AI comes in only when you ask the assistant to explain it, and that is read-only.
- What does the runway range mean?
- Estimated cash runway is how long the base case keeps your liquid cash above zero. The low and high paths around it come from how variable your history has been and how much of it the model trusts, so the range is honest about what it does not know. It is an estimate, and it calls itself one: not a guarantee, not financial advice, and a great deal better than finding out on the 31st.
- What if my data is patchy?
- It says so. The panel shows a confidence grade, how much history it used, how many posted and pending rows it saw, the date the data runs through, and every quality note it has. The capture on this page is my own dashboard on a morning it showed partial data, one day of runway and five notes to fix, and I published it anyway. An outlook that hides its doubts is worse than none.
- Will a transfer to savings look like a crash in cash?
- No. Matched internal transfers are left out of the model, so moving money between your own accounts is not an outflow, and a card payment is not spending. Only what actually leaves your ledger counts against you. Cash Outlook, the weekly briefing and the assistant all read the same saved snapshot rather than recomputing it. The briefing keeps the copy it was sent with, so a difference between the dashboard and a briefing is time, not arithmetic.
Keep exploring
Find out before the 31st.
7 days free, then $12.99 a month or $89.99 a year. Card required, cancel anytime before your first payment.
Free trial for first-time customers; if your organization has subscribed before, the paid plan starts at checkout. Renews automatically until you cancel in Settings. Taxes may apply.