Cash Flow Tracker & Forecasting App

Traditional Budgeting	Cash Flow Forecasting
Tracks past spending	Projects future balances
Restricts spending	Identifies surplus to invest
Surprised by annual bills	Anticipates bills months ahead
Guilt about small purchases	Clarity about big decisions

Forecast Your Cash. Master your Budget.

Finally see when you can say yes to your dream vacation, wedding, house, or time off with your new baby. The best personal finance and budgeting platform to plan your money, forecast your cash, and live your life. Made for you, the modern money planner.

"Your money shouldn't restrict your lifestyle, it should enable the life you want to live."

Most budgeting apps get this backwards. They want you to categorize every penny, set rigid limits, and feel guilty about small pleasures. We never ask you to restrict your spending into tiny categories. We focus on the big picture: cash flow projections that let you make confident decisions.

DASHBOARD

Visualize your cash runway + wealth trajectory

Open the interactive dashboard for a complete snapshot: where your cash is headed, what is coming up next, and how your net worth is trending.

Cash Flow Forecast visualization that lets you move through your history and your future across timeframes, so you can see exactly how big moments change your cash.
Net Worth Trend visualization that lets you track momentum over time, so progress is something you can actually see.
Net Worth By Category chart so you can see what’s growing versus what’s pulling you down.
Pulse-check cards for cash on hand, money in, money out, and your monthly net.
All account balances together so you can move money quickly and stay ahead of timing.
Upcoming transactions, a spending breakdown, and a transaction calendar so you can see what’s next, what’s driving your month, and when it hits.

Sonnet dashboard: cash flow forecast and net worth trend

CASH FORECASTING

The best way to plan your money, forecast your cash, and live your life.

Build a money forecast you actually trust. Plug in what drives your life, then see your money story, past and future, in one view.

Weekly / monthly / quarterly / yearly views depending on what you’re planning.
Preset and custom date ranges to focus on the exact window you’re planning for.
Add transactions and transfers right from your forecast so the story stays accurate as life happens.
Set a Low Balance Alert (your cushion) per account so you can see when you’re above/below your buffer.
Undo/redo to instantly reverse a mistake while editing.

TRANSACTIONS

Your money history and roadmap in one clean table

The Transactions tab is your control center. See everything in one place, filter down fast, and make quick fixes so your forecast stays accurate.

Spot duplicates, weird dates, and anything that looks off in a clean, spreadsheet-style view.
Search and filter (date range, account, type) so you’re never hunting.
Edit details quickly so one bad line doesn’t throw off your plan.
Bulk delete to clean up an import or reset a messy batch.
Undo/redo to immediately reverse an accidental change.

SPENDING

Spending Analyzer + Budgets

Spending is not about shame. It’s about clarity and choice. Name categories your way, spot patterns fast, and decide what you want to change.

Categorize transactions so your trends are readable.
Bulk-apply a category to every transaction from the same merchant so cleanup is fast.
Create your own categories so the analysis matches your life.
Set monthly budgets and add manual expenses so you can stay on track even when something isn’t in your bank history.

WHAT-IF

Make the call with confidence

Make a big decision without the anxiety spiral. Build a scenario, change one thing, and see the ripple effects before you commit.

Create a scenario from an existing bank account or scenario so you can start fast.
Add changes as a one-time or repeating occurrence so you can model real situations.
Add income and expense growth rates so long-range projections account for raises and inflation over time.
Compare scenarios side by side in a dynamic chart so the tradeoffs are obvious.

EXPORT

Export your data anytime you want

Your data stays yours. Export clean, shareable files anytime so you can back things up, run your own analysis in Excel or Sheets, or hand a tidy file to an accountant.

Export the reports you care about:
1. cash forecast projection,
2. transactions,
3. spending,
4. net worth statements and activity logs.
Use exports to back up your data, share clean snapshots, run deeper analysis in Sheets or Excel, or hand tidy files to an accountant.

DATA SECURITY

Your Financial Life, Fortified.

We treat your data with the same level of security as your bank.

🛡️

Bank-Level Encryption

Your data is encrypted at rest and in transit using industry-standard AES-256 protocols. We couldn't read your passwords even if we wanted to.

🔒

Our systems use strict "Zero-Trust" verification. Every single request for data requires a verified digital fingerprint, ensuring only you can see your data.

💳

PCI-Compliant Payments

We never touch your credit card numbers. All payments are processed securely by Stripe, the same payment processor used by Amazon and Google.

TESTIMONIALS

See what our users have to say after using Sonnet

"Literally cried when I saw I could actually SEE when I'd run out of money instead of just... finding out the hard way. Haven't had an overdraft fee in 4 months and that's $140 I actually kept."

Sarah M. Teacher, 28

"Found THREE subscriptions I forgot I was paying for. $63/month just... gone. I was out here budgeting my groceries down to the dollar while Netflix was charging me for an account I don't even use anymore. I'm furious but also so relieved."

Jamie L. Graphic Designer, 31

"I can finally pay extra on my credit card without that panic of 'wait can I actually afford this?' Seeing my balance two months out means I KNOW I'm good. Paid off $2,400 this year and I'm not even stressed about it."

Marcus R. Retail Manager, 26

"My partner and I used to fight about money every week because neither of us knew what we actually had. Now we can both see the forecast and it's just... peaceful. We're saving for a wedding and I'm not panicking about it."

Alex L. Nurse, 29

"Literally cried when I saw I could actually SEE when I'd run out of money instead of just... finding out the hard way. Haven't had an overdraft fee in 4 months and that's $140 I actually kept."

Sarah M. Teacher, 28

Jamie L. Graphic Designer, 31

Marcus R. Retail Manager, 26

Alex L. Nurse, 29

Master your
money with clarity.

Stop Guessing. Start Living.

Visualize your cash runway + wealth trajectory

The best way to plan your money, forecast your cash, and live your life.

Your money history and roadmap in one clean table

Set it once, stay accurate

Track assets and liabilities

Spending Analyzer + Budgets

Make the call with confidence

Export your data anytime you want

Your Financial Life, Fortified.

Bank-Level Encryption

Our systems use strict "Zero-Trust" verification. Every single request for data requires a verified digital fingerprint, ensuring only you can see your data.

PCI-Compliant Payments

See what our users have to say after using Sonnet

Master your money with clarity.

Stop Guessing. Start Living.

Visualize your cash runway + wealth trajectory

The best way to plan your money, forecast your cash, and live your life.

Your money history and roadmap in one clean table

Set it once, stay accurate

Track assets and liabilities

Spending Analyzer + Budgets

Make the call with confidence

Export your data anytime you want

Your Financial Life, Fortified.

Bank-Level Encryption

Our systems use strict "Zero-Trust" verification. Every single request for data requires a verified digital fingerprint, ensuring only you can see your data.

PCI-Compliant Payments

See what our users have to say after using Sonnet

Master your
money with clarity.