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Monthly budgets & cash flow

Plan your spending.
Forecast your balance.

Track income and expenses, compare planned and actual amounts, and see your projected balance for the next 12 months.

Create account Open demo

Try the demo without an account.

Sample budget

September 2026 · SEK

Projected balance · Aug 2027

247,696 kr

12-month forecast
View monthly figures
Monthly projected ending balances in SEK
MonthYour plan · SEK
Sept 202642,533
Oct 202655,366
Nov 202679,899
Dec 202695,432
Jan 2027114,465
Feb 2027133,498
Mar 2027152,531
Apr 2027171,564
May 2027190,597
Jun 2027209,630
Jul 2027228,663
Aug 2027247,696
Current plan

Explore the sample budget. Select an expense to update the forecast.

Sample data only

The monthly plan

Income, expenses, and actuals.
In one budget.

Explore the monthly plan

Set recurring entries once

Add your salary, rent, subscriptions, and other regular costs. Set a start and end month for each entry.

Test an expense before adding it

Preview a purchase and see how it changes your forecast without changing your saved budget.

Keep a record of closed months

Confirm actual amounts and reconcile your closing balance. Later changes preserve your closed history.

Salary scheduling

Choose your payday.
Set your own rules.

Pick your salary day during setup. Keep the date as scheduled, or enable adjustments for weekends and Swedish bank holidays. Change the schedule for any recurring income entry.

View recurring entries

November 2026

Example · 28th payday, adjustments enabled

Mon

23

Tue

24

Wed

25

Thu

26

Fri

27

Sat

28

Sun

29

Expected payday: Fri 27 Nov

The 28th is a Saturday. With adjustments on, payday moves to Friday.

How it works

From opening balance
to monthly forecast.

Export your data whenever you need it.
  1. 01

    Set your starting point

    Enter your opening month and the balance you want to start from.

  2. 02

    Build your monthly plan

    Add income, recurring bills, and one-off expenses. The forecast updates from your entries.

  3. 03

    Record what actually happened

    Confirm actual amounts, reconcile the ending balance, and close the month to preserve its record.

Before you start

Common questions.

Do I need to connect my bank?

No. You enter your opening balance, income, and expenses yourself. Monthlane does not require a bank connection.

How is the forecast calculated?

Your opening balance is carried forward month by month, adding income and subtracting expenses. Confirmed actual amounts replace planned amounts. Recurring entries and one-off costs are included in the next 12 months.

Can I try it without an account?

Yes. The demo uses sample data and lets you explore the budget, recurring entries, and forecast. Demo changes are temporary. Your own budget starts empty when you create an account.

Which currency and payday calendar are supported?

Monthlane currently uses Swedish kronor (SEK). Choose any monthly payday during setup or on an income entry. Weekend and holiday adjustments are optional and currently use Sweden’s banking calendar.

Can I export my budget?

Yes. You can download your budget as a JSON file, including entries, actual amounts, and closed-month records.

Monthlane

Create your first budget.

Start with your balance. Add your income and expenses. See the months ahead.

Create account Open demo