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My MoneyThe day-to-day engine — what comes in, goes out, and what you may be owed.My AssetsEverything you own, valued and reconciled in one place.My PlansForward-looking projections for tax, estate, retirement and budget.My ToolsYour whole picture read in one place — the moves worth considering, in order.My DetailsAccounts, documents and settings that power the whole system.
Learning LibraryPlain-language lessons across every money topic — read, watch, and go as deep as you want.OWN YouthFinancial literacy for the next generation — built for youth, parents and teachers.
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Territory 01 · Cash flow

Make your money predictable, then give every surplus a job.

The centre of gravity for everyday control: what comes in, what goes out, and the buffer that keeps your choices open. Get this steady and almost everything else gets easier.

1.8 mo — of core expenses held as a cash buffer in this sample — below the three months that turns a shock into an inconvenience.

Lessons

  • The next-dollar order: where your surplus should go — Core · 6 min read
  • How much emergency cash is actually enough — Easy · 4 min read
  • Fixed vs. flexible: the spending you can move — Easy · 5 min read
  • Automating the buffer before you invest more — Core · 4 min read

Reads

  • A budget you'll actually keep — Featured · 6 min read
  • Sinking funds for predictable surprises — Article · 4 min read
  • Why idle cash quietly costs you — Article · 4 min read

Charts

  • Your 12-month cash-flow ribbon — See how this reads for the sample household
  • Cash runway — How long the buffer lasts
  • Where your surplus goes — Explore the trade-off

Open Cash Flow in the app