Cash flow forecasting, done right

Know which account is about to run dry — and when.

Most budgeting apps tell you what you already spent. NeverRunShort lines up every account, bill, and paycheck on one forward-looking cash flow forecast, so you see a shortfall coming days or weeks before it happens — not after it bounces a payment. If you've ever typed "will I run out of money before payday" into a search bar, this is built for exactly that moment.

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No credit card required. Start with the demo, or create an account and keep your own planner.

No bank-linking required Your data stays yours — export anytime Free to use Works on iPhone, Android and desktop
NeverRunShort's Plan tab showing Available cash today, upcoming salaries, and a 90-day projected cash chart
The actual app — this is the demo's sample data, not a mockup
2 minutes to add the first few accounts and bills
180 days of forward planning on the Free plan
0 bank logins because manual entry is the privacy feature
Anytime JSON and CSV export from Settings
Why NeverRunShort

The gap every other budgeting app leaves open

Net-worth dashboards and last-month spending reports are easy to find. A tool that tells you, specifically, that your chequing account will go negative on the 27th unless you move money first — that's rare. That's what NeverRunShort is built around.

Most budgeting apps
  • ← Show you what you already spent last month
  • ← Total net worth across accounts, as of today
  • ← A shortfall you find out about when it bounces
NeverRunShort
  • → Shows you what's coming — days or weeks out
  • → Per-account balance on any future date
  • → A warning while you still have time to act

Day-by-day cash-flow timeline

See 30, 90, or 180 days ahead — every paycheck, bill, and transfer lined up on one running timeline instead of a monthly summary.

Per-account shortfall warnings

NeverRunShort flags the exact account and date a planned bill would overdraw it — even when your total cash across accounts looks perfectly fine.

Privacy-first, manual entry

No bank credentials, no third-party data aggregator, nothing to leak. You enter your accounts; NeverRunShort does the projecting.

Recurring items, handled

Income, expenses, transfers, and card interest repeat on the schedule you set and project automatically out to your planning horizon.

Budgets that prorate correctly

Track spending by category against a monthly budget that scales accurately for any period you choose — even an odd custom date range.

Sync across your devices Premium

Create a free account and get 30 days of cloud sync on us, keeping your planner in sync between your phone and computer — sign in with email or Google, your choice. Continues afterward for $4.99/month or $39/year. Free during the public beta — no payment required. See Free vs. Premium.

Built for

The money timing problems that spreadsheets usually end up solving

NeverRunShort is for people who do not need another guilt chart. They need to know whether Tuesday, the rent account, or the card payment is going to be a problem.

Paychecks that do not line up neatly

Freelance, commission, contract, biweekly, semimonthly — if income lands on its own rhythm, the timeline shows how each bill fits around it.

Households juggling multiple accounts

Your total cash can look fine while the account that pays rent is about to go negative. NeverRunShort watches each account separately.

People rebuilding trust in their numbers

No hidden bank sync, no stale aggregator feed, no black-box advice. The plan changes only when you enter something or mark it done.

See it in the product

The answer is visual, not buried in a report

The app keeps the key question close to the surface: what is coming, which account is affected, and how much runway you have.

A NeverRunShort timeline entry warning that Main Chequing needs money before rent clears
Specific shortfall warnings Not just “you are overspending” — the exact account, amount, and date.
NeverRunShort projected cash chart over a 90-day planning horizon
A forward-looking cash chart Scrub the plan to see your projected cash on any date in the horizon.
How it works

Three steps to seeing what's coming

1

Add your accounts and bills

Chequing, savings, credit cards, cash — enter balances manually in a couple of minutes. No bank login, ever.

2

NeverRunShort projects your cash flow

Every paycheck, bill, and transfer gets plotted forward on a timeline, so you can see your balance on any future date at a glance.

3

Get warned before you're short

If a specific account is going to run dry before a bill clears, NeverRunShort tells you — with enough runway to actually do something about it.

Case studies

Common cash-flow situations NeverRunShort is built to catch

These are representative planning scenarios, not customer quotes. When real users share permission to publish their stories, they can live here without changing the page structure.

Household bills

The rent account looks tight while savings looks comfortable

A household keeps emergency savings separate from chequing. Total cash is fine, but rent, insurance, and a card payment all land before the next paycheque.

  • Projected chequing shortfall appears before rent day.
  • A planned transfer fixes the account-specific gap.
  • The timeline keeps the fix visible until it is marked done.
Irregular income

A freelancer needs to bridge the gap between invoice payments

Income arrives in chunks, not on a payroll calendar. The question is whether subscriptions, tax savings, and rent fit before the next invoice clears.

  • Known invoice dates become planned income.
  • Recurring bills project automatically.
  • The low point is visible before taking on extra spending.
Bill timing

A card payment and utility bill collide in the same week

The monthly budget may be under control, but two large payments can still hit the wrong account too close together.

  • The bill calendar shows the collision by date.
  • Per-account warnings show which payment causes the problem.
  • A transfer or date change can be tested before it happens.

Read the case studies

Trust

Privacy-first is not a footer promise. It changes the product.

No bank credentialsYou never hand over bank logins to NeverRunShort or a data aggregator.
Local-first planningThe Free plan works on your device, with optional Premium sync when you want multiple devices.
Export anytimeJSON backups and transaction CSV exports keep your data portable.
“

I built NeverRunShort because I needed more than a spending report. I wanted to know whether the right account would have enough money on the right day, before a bill hit or a payment bounced. Most budgeting apps looked backward. NeverRunShort looks forward, so you can see shortfalls coming while there's still time to fix them.

— Founder, NeverRunShort

Questions people ask first

Most budgeting apps explain what already happened. NeverRunShort projects what is coming next and warns you before a specific account is projected to run short.
No. Manual entry is the default on purpose, so you never have to share bank credentials or depend on an aggregator connection.
Yes. The live demo opens with realistic sample data, so you can see the timeline and shortfall warning before creating an account.
Yes. Free includes local planning, unlimited accounts and transactions, recurring items, budgets, shortfall warnings, and up to a 180-day horizon. Premium adds sync, longer horizons, and daily bill digest emails.

Get iPhone beta and roadmap updates

Join the product updates list for iPhone beta news, new forecasting features, and practical cash-flow planning notes. No spam.

See your own numbers, not a demo.

Creating an account takes under a minute. Your planner is private to you — NeverRunShort never sees or sells your data.

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