Cash Flow Web App Instructions

04 Nov 2025

App Overview & Setup

This app projects your cash and portfolio position for the next 36 months. This can help you plan for future investments, big purchases, paying down debt, etc.

It features two main statements:

  • Cash Flow Statement: Tracks your monthly cash by taking a beginning balance, adding cash in, and subtracting tithes and cash out.
  • Portfolio Statement: Shows your assets, split between Liquid (Cash, Securities) and Illiquid (Property, Loans, etc.).

To Start: Input your Initial Cash, Initial Securities, and Initial Other Assets.

Managing Cash Flow

  • Basic Income/Expenses: Add items with a starting value and an annual growth rate. You can manually adjust the first 12 months of any item. These should be your take-home amounts, i.e. after taxes.
  • Cash In Types:
    • Recurring: Regular income like salaries, securities returns, and property income. This category is used to calculate your tithe.
    • Non-Recurring: One-time cash events like initial loan proceeds or property sale proceeds.
  • Tithing: The tithe is calculated as a percentage of your Recurring Cash In. You can also add a manual Additional Tithe.

Modules for Investments

Modules track specific assets or liabilities and link them to your main statements.

  • Property:
    • Function: Tracks a property's market value, loan, equity, and operating income.
    • Impact: Adds property equity to your portfolio. Loan payments are a cash out, while operating income is a recurring cash in. Sale proceeds are a non-recurring cash in.
  • Annuity (Cash In / Cash Out):
    • Function: Models a stream of fixed payments.
    • Impact: Creates a recurring cash in (or out) item and adds the remaining value as an asset (or liability) to your portfolio.
  • Loan - Cash In (Borrowing):
    • Function: Models a loan you have taken.
    • Impact: The initial loan amount is a non-recurring cash in. Your payments are a cash out. The remaining balance is a liability in your portfolio.
  • Loan - Cash Out (Lending):
    • Function: Models a loan you have given to someone else.
    • Impact: The initial loan amount is a cash out. Received payments are a recurring cash in. The remaining balance is an asset in your portfolio.