Small businesses usually track revenue, costs, and runway across scattered spreadsheets — and notice a cash shortfall too late. CASHFLOW OS is a single offline HTML file that gives founders, freelancers, agencies, and small teams a clear, calculated view of the next 12 months.
What it does
- Enter recurring and non-recurring revenue plus fixed and variable costs for each of 12 months.
- Build three named scenarios — Base, Conservative, and Growth — each with its own assumptions, so you can compare a realistic plan against a downside and an upside.
- See computed month-end cash balance, average burn rate, runway, break-even month, and minimum cash for every scenario, plus a side-by-side comparison table and chart.
- Get an automatic, explicit shortfall alert listing every month a scenario is projected to run out of cash.
- Works fully offline: no account, no bank connection, no live exchange rate, nothing leaves your browser.
- Save locally, export/import versioned JSON, export monthly detail as CSV, and print a clean A4/Letter management report.
- Start faster with 3 ready-made sample presets: SaaS Startup, Creative/Marketing Agency, and Local Service Business.
What it is not
An accounting system, tax tool, or financial advisory product. It performs transparent, disclosed arithmetic (see the included Formula Register) on the numbers you provide — always verify against your own records before making financial decisions.
Delivery
Standalone HTML/CSS/JS web app, editable source, full documentation set (Quick Start, Scenario Workbook, Formula Register, Data Dictionary, Test Report), License, and 3 bonus sample-data JSON files.
Frequently Asked Questions
Do I need an account or internet connection?
No. Open Product/index.html in any modern browser. It runs and saves entirely offline.
Does this connect to my bank or accounting software?
No. CASHFLOW OS has no integrations. You type in your own numbers; nothing is imported from or sent to any bank, payment processor, or accounting system.
Is this an accounting or tax tool?
No. It is a planning aid that performs disclosed arithmetic on the figures you enter. It is not a substitute for accounting, tax, or financial advisory services.
Can I use it for more than 12 months or more than 3 scenarios?
Not in v1. Export a completed year as JSON and start a fresh file for the next period.
What happens to my data?
It stays in your browser’s local storage on your device unless you explicitly export it. Nothing is uploaded anywhere.
Can I customize the look and branding?
Yes. Editable/Source/ contains the full source, and Product/css/styles.css exposes CSS variables for colors so you can restyle without touching layout logic.
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