If you keep doing what you’re doing, does the money outlast you?

CashFlowEngine answers that path question on your machine — without bank logins, user accounts, or an advisor funnel.

Your numbers are your business. We don't collect your data, we don't have user accounts, and we never sell your financial profile.

Try the Demo Plan Open the app

Uses a fictional household (the Carters). Your own plan stays on your device. Education, not financial advice.

Most tools start by connecting your life.

Link accounts. Create a login. Sync balances into the cloud — then upsell advice or managed money. That architecture is fine for some products. It isn’t ours.

You don’t need a dossier to ask a simple question: if nothing changes, does this path hold?

How CashFlowEngine works

Start with the keep-doing question

Load the Carters demo or enter your own assumptions. See year-by-year whether the path outlasts you — or you outlast the money.

Your plan stays on your machine

Plan inputs and projections run on-device. No CashFlowEngine account. Free path and Premium share the same privacy boundary.

Go deeper only if you want

Optional Premium unlocks Detailed Holdings and Retirement Spending — still calculated locally. Invite-only while we’re in beta.

Try the Demo Plan

Built so we can’t sell what we never hold

Your numbers are your business. We don't collect your data, we don't have user accounts, and we never sell your financial profile.

No user accounts to run a projection
No bank linking required to start
Plan data + math on your device (free and Premium)
No third-party beacons by default — anonymous visit analytics are opt-in and off until you turn them on
Backup you own — export a file to your disk; optional encrypted backup

Loading the app still contacts our host to serve the page. Optional Live Pricing can send ticker symbols only to a spreadsheet you control — never share counts or dollars invested. We don’t claim the browser “never touches the network.”

Different job than sync-first tools

Many “free” planners start by connecting banks so balances live on their servers — then retention, coaching, or managed money. Others skip linking but still require an account and keep your plan in the cloud.

CashFlowEngine is a local planning instrument: see if your current path outlasts you, without uploading your life or getting walked to an advisor.

Free core. Optional depth.

Free — CashFlowEngine

Answer the keep-doing question with Interview, Plan Settings, Dashboard, scenarios, and the Carters demo. Enough to see whether the path holds.

Premium — optional

Detailed Holdings — ticker-level lots, employer stock, distributions
Retirement Spending — spending composition and need, still on-device

Premium is invite-only right now. Email CashFlowEngine.App@gmail.com and we’ll send enable instructions — usually within 24 hours. Feedback welcome at the same address.

Email for Premium access Try the Demo Plan

Learn on a fictional household first

The Carters are packed demo data — not a claim about who you should be. Poke a balance, watch the path move, then bring your own numbers when you’re ready.