Know your cash valley before the money runs out.
Enter five numbers. See your safety margin, daily safe-to-spend cap, and the exact cash valley between your next liability and your next inflow.
- No signup needed
- Nothing stored
- Works offline
- Free forever
Enter your numbers
Want this view every day, for every commitment?
Vynlo tracks all your upcoming liabilities, post-dated cheques, and inflows across every currency, so your buffer snapshot updates automatically as commitments change.
Common questions
Is the calculator free?
Yes, completely free, no signup, no data stored. All calculations happen in your browser.
What is a safety margin?
Your safety margin is your current cash minus the upcoming liability. A positive number means you can cover the payment. A negative number means you cannot cover it with cash on hand.
What is the daily safe-to-spend cap?
After setting aside your liability, the remainder divided by the days until your inflow gives the maximum you can spend daily and still be covered when the inflow arrives.
What is the cash valley?
The cash valley is the gap in time between when your liability lands and when your inflow arrives. During this window your balance is at its lowest. The timeline shows the dip.
How is Vynlo different from this calculator?
This calculator is a one-off snapshot for a single liability and inflow. Vynlo tracks all your recurring commitments, post-dated cheques, multi-currency accounts, and scheduled inflows simultaneously, so your buffer updates automatically every day.
See your buffer update automatically, every day.
Join early access and connect your cheques, bills, and inflows. Your buffer snapshot stays current without any manual calculation.
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