A predictable cash flow gives you options.
Options give you peace of mind.
Whether you are just starting out, nearing retirement or already retired, see where your cash flow is heading, today and for years ahead. Enter your income and expenses once, and plan with confidence.
See options for WindowsSee options for Web
Start with the free Sandbox. Compare all plans →
No spreadsheets and no itemizing every coffee. Easy to set up, easy to use.
Choose Windows and everything stays on your own computer, offline. Choose Web and reach it from any device, encrypted on our servers. Either way: no bank login.
One clear line from today to years ahead. Your lowest point and your highest point are marked for you.
Pick any end date on the calendar, or tap 1, 2, 3, 5, 10, 15, 20 or 30 years. See your whole road ahead, not just next month.
See what a raise, a new car payment or a cancelled subscription does to your balance years from now. Play in the Sandbox with made-up numbers, and nothing is saved.
Choose the lowest balance you are comfortable with. The forecast shows every stretch where you would fall below it, and the bell can warn you days ahead, so you can act early.
Pick from 30+ insight tiles: future balance, savings rate, what-ifs, the earliest date you can afford something, planned vs actual. Set alerts, look up to 30 years ahead, and star your favorites.
Pick your own base currency, then enter any income or expense in the currency it really comes in. Everything is converted for your forecast.
Every upcoming bill and paycheck, with its date and what your balance will be right after. Nothing surprises you, because you saw it coming.
Keep a safe copy of your data, and get it back on a new device or after a mishap.
Keep every subscription in one place, see what it costs per year, and get a reminder before it renews.
Just start typing, in your own words. Over 1,000 search phrases connect what you type to the right answer, right on the screen you are using, each with a short how-to video.
Start free in the Sandbox, no account and no card needed. When you are ready, choose Web to plan from any device, or Windows to keep everything on your own computer. Premium Web includes a 7-day free trial; you create a free account to start it. Every plan is cancel-anytime, with a full refund within 7 days of any payment or renewal (the first Premium Web charge, after the free trial, has a 2-day window).
Web or Windows? Each is bought separately, and your data does not move between them. Want the most privacy? Choose Windows: your numbers never leave your computer.
No, never, on either version. There is no bank login; you type your own numbers in. On Windows they stay encrypted on your computer; on the Web they are encrypted on our servers. We never see or connect to your bank.
Windows keeps everything on your own computer, offline and fully private. Web keeps your encrypted data on our servers, so you can reach it from any device. Same forecasting either way: pick privacy with Windows, or go-anywhere convenience with the Web. Each is bought separately, and your data does not move between them.
Yes. The free Sandbox lets you play with made-up numbers right away, no account and no card, on both Windows and Web. And Premium Web comes with a 7-day free trial of the full app with your own numbers: you create an account and enter a card, nothing is charged for 7 days, and if you cancel before then you pay nothing. You can still ask for a full refund within 2 days of that first charge.
Windows: your file is encrypted with your password and never leaves your computer, so no one, including us, can recover it. Keep your password and recovery key somewhere safe, like a password manager, and keep a backup.
Web: use the "Forgot password" link to reset it by email. Your forecasts are still there afterwards, because on the Web they are encrypted on our servers under keys we manage, not locked to your password. Turn on two-factor sign-in for extra protection.
The Windows app is Windows only, but the Web app runs in any modern browser, so you can use Forecast by MOSS on a Mac, iPhone, Android, tablet or PC, and reach the same account from any of them.
