Your business cash, clearly recorded.

English cash-flow tools for freelancers and solo service businesses. Record income, expenses and transfers, then review the totals. Explore the real examples, supported limits and software requirements before buying.

Explore the Cash Flow Toolkit
Fictional USD cash-flow chart: October cash income of $10,000 excluding collected tax and operating cash out of $3,200.

A simple view of money in and money out.

Use the English spreadsheet or the included offline app to record operating cash. Transfers stay separate from income, and invalid records are flagged for review. Each workspace keeps its own data. Preview shown: the spreadsheet chart with fictional sample data.

See what an internal transfer changes.

Precalculated fictional USD example. No real data entry or saving.

Opening balances: Bank $1,000 · Cash $100

Income
$1,200
Cash out
$80
Cash surplus
$1,120

All income and cash out in this example use Bank.

Choose a transfer preset

No money moved between accounts

Bank
$2,120
Cash
$100

Bank includes $1,200 income minus $80 cash out. Cash keeps its opening balance.

$200 moved from Bank to Cash

Bank
$1,920
Cash
$300

Only the account balances change. Income, cash out and cash surplus stay the same.

1 entry needs review

Bank
$2,120
Cash
$100

Unknown destination: a $200 transfer from Bank is excluded in full from both account balances.

Tracked total in every preset$2,220

This simplified example assumes no tax. Cash surplus is income minus cash out. The preset controls only switch the figures shown.

Before you choose your workspace

What is included?

An English XLSX workbook with tutorial, an offline browser app, and an optional Agent Skill with a local calculator, MCP adapter and desktop-project generator. The spreadsheet and app keep separate records; neither updates the other automatically.

How do I keep my data?

The browser app keeps edits in the current window. Export JSON and complete the download before closing; import that file to continue later. There is no automatic save, cloud sync, bank connection or XLSX import. The spreadsheet stores its own separate data.

What software do I need?

The offline app needs a supported desktop browser; scoped checks passed in current Chrome on macOS. The workbook received basic WPS checks on macOS; native Excel and Google Sheets were not verified. The optional Skill needs a compatible agent host and Node.js 22.14 or newer. Host services may have their own fees.

Can the Skill create a Mac or Windows app?

The included generator creates desktop project source from the same offline app, with build commands for macOS arm64 and Windows x64. Building requires official dependencies and runtime downloads. This download includes source, not a ready-to-install application. Each target needs its own build and runtime checks.