Enter your plan
Add income sources, recurring expenses, timing rules, and a known starting balance.
Day-by-day cash-flow forecasting in Excel
Know whether the money will be there when the bill lands.
TheoryCashing turns your income schedule, recurring obligations, and current balance into a practical calendar forecast—without connecting to your bank or uploading your finances.
- Free and open source
- Runs locally in Microsoft Excel
- No account or bank login
Most budgets ask “On average, do I make more than I spend?”
TheoryCashing also asks “Will the money be there on the day I need it?”
How it works
From recurring schedules to a daily forecast.
Configure the things that repeat. TheoryCashing handles the calendar math and produces a forecast you can inspect and adjust.
Generate a year
Create a calendar-year forecast with scheduled inflows, outflows, and a running balance for every day.
Spot the tight days
See low-balance periods and timing mismatches that monthly averages can hide.
Built for real calendars
Averages explain the plan. Dates reveal the pinch points.
Flexible schedules
Model weekly, biweekly, semimonthly, monthly, quarterly, and annual activity.
Multiple income sources
Forecast household cash flow across different employers, pay cycles, and timing rules.
Low-balance visibility
Follow the running balance and find the lowest projected point after reconciliation.
Regenerable forecasts
Update the plan as circumstances change, then generate a fresh view of the year.
Use macros thoughtfully
Your financial plan stays in your workbook.
TheoryCashing runs locally and does not require a cloud account or bank connection. It is an .xlsm workbook and uses VBA macros to generate forecasts.
Download it only from the official project, inspect the published VBA source if you wish, and enable macros only when you trust the file. Never use a forecast as a substitute for checking your actual bank balance.
Inspect the VBA sourceStart forecasting
Download TheoryCashing.
Requires desktop Microsoft Excel with VBA macro support.