CashflowLens

A cash flow forecast that actually accounts for credit card billing cycles

Problem

Existing finance apps (Personal Capital, Monarch, Copilot) model cash flow as the net sum of monthly transactions, but credit card charges are counted immediately while the money only leaves checking at the next statement due date. Users end up seeing a healthy balance that quietly turns into an overdraft.

Solution

Explicitly model each card's statement cycle, due date, and the checking-account debit, pushing every card purchase's cash impact to the actual payment date. Layer in recurring income and subscriptions to produce a day-by-day 60–90 day balance forecast and alert when the projected balance dips below a safety floor.

Users

US individuals juggling 2–5 credit cards, living paycheck to paycheck, who manage spending around payday

MVP

Connect via Plaid or manual CSV import; separate 'accrued expense' vs 'actual cash outflow' ledgers; compute a daily balance curve for the next 60 days; threshold-based email alerts; support one issuer's billing-cycle rules first

Revenue

Monthly subscription at $5–8, or a $49 one-time self-hosted tier; later affiliate revenue from card recommendations

Why now

Monarch and Copilot educated the market but left the timing mismatch unsolved, and Plaid plus local math lets a solo developer ship a differentiated core without any bank integrations of their own