Your whole financial life as a game
Bubbles for your income, expenses, assets and debts. Arrows for the money that flows between them. Then press play and watch your net worth grow, and find out when you could retire.
Everything on one board
Cashflow Bubbles turns spreadsheets into something you can actually see.
Visualise your cashflow
Every bubble is sized by how much it holds, and arrows show where each month’s money goes.
Travel into the future
Press play, jump 10 years ahead, or go live and watch every second. Raises, inflation and interest included.
Retire early with FIRE
See when you reach Coast FIRE and full FIRE, and set money goals with a date.
Pay off debt
Real monthly interest. Watch a loan shrink, then disappear when it’s paid off.
Compare scenarios
Duplicate a board, change one thing and see what it does to your future.
Spreadsheet in, spreadsheet out
Export a tidy workbook with charts, or import your own numbers.
How it works
Add your bubbles
Right-click the board (touch and hold on a phone) to add income, assets, expenses and debts.
Connect them
Drag an arrow from one bubble to another and set how much flows each month.
Press play
Fast-forward the years and see your net worth, your goals and your retirement date.
Spend smarter, save more and retire sooner
Find money you are leaving on the table
See exactly where every euro or dollar goes. Spot the spending, idle cash and expensive debt that quietly cost you money every month.
Make every dollar count
Give each bit of income a job: bills, debt, savings or investments. Nothing just disappears at the end of the month.
Understand your cash flow
Bubbles and moving arrows show how money flows in, out and between your accounts, so it finally makes sense at a glance.
Save more money
Try a smaller expense or a higher savings rate in seconds, and see what it is worth in 10 years before you commit to anything.
Retire sooner
Watch your net worth grow year by year and see when your investments could carry you, with your Coast FIRE and full FIRE ages.
Reach financial freedom
Set goals with a date, pay off debt faster and track your progress until your money works for you.
Simple pricing
Start free. Pay once for Pro. No subscription, ever.
About Cashflow Bubbles
Cashflow Bubbles is an independent project built on one belief: money is easier to understand when you can see it. Most finance tools drown you in tables and categories. Cashflow Bubbles shows your income, spending, savings and debts as a living picture, so “what happens if…?” becomes something you can try in seconds.
- Private by default. Your boards are stored on your own device. Syncing to an account is optional and off until you switch it on.
- Honest and simple. A free version with the essentials and no hidden costs, and Pro for people who want to go further.
- Made to be played with. Drag, connect, fast-forward. Learning about your finances should feel less like paperwork.
Cashflow Bubbles is a planning and visualisation tool, not financial advice. Projections use the numbers you enter and are only as good as those assumptions.
Contact us
Questions, ideas or something not working? Send us a message and we’ll reply by email.