Overview
Accounts
You can spend
–
Next arrivals
The month's lines
Here you'll see how much you can spend today, how many months your money lasts and how the next months will go. First add your account balances and main items (the steps above).
Money flow
Transactions
The month day by day
Sort transactions
By item
Rules
Cash Flow
Rotate your phone to see more months at once
Header, first column and month end stay fixedArrows to move · Enter edits · Esc cancels · Del resets to the base amount
Future events
Business
Renewals · next 12 months
Forecasts
Enter an amount for the months you want to set yourself; empty months follow the automatic forecast (average of the last 3 months plus incoming money). For the current month, enter what's still to come.
Goals
Full simulator · home purchase
Property details
Airbnb yield
Home purchase goal
Full simulator · pension fund
–Parameters
Fund growth over time
Return scenarios
| Net return | Fund value at 67 | Gain | €/month annuity* |
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Life Cycle path comparison
| Path | Avg. return | Fund value | Δ vs Growth |
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Flat-rate regime note
Extra contributions
Full simulator · investments
–Portfolio by broker
Enter the value of at least one broker (or the total invested) to see value, gain and performance.
Allocation by broker
| Broker | Value | % of portfolio |
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Projection settings
Capital growth over time
Scenarios by time horizon
| Scenario | Net rate | At 5 years | At 10 years | At 20 years |
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Extra contributions
Tracking notes
This module is manual: it doesn't connect via API to Scalable or Trade Republic (neither offers public consumer APIs). Periodic updates (e.g. weekly or monthly) are enough for an overall view of your net worth.
Under the flat-rate regime (Italy) remember that realized gains/losses still go in your tax return (section RT of the 730/Redditi PF) — they're taxed at 26% regardless of the regime. EU brokers (Scalable, Trade Republic) are not Italian tax withholding agents: you have to declare them yourself, losses included (to offset them over the next 4 years).
Sales
Incoming refunds
Settings
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Category → Cash Flow item
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