See future balances across all accounts, anticipate annual bills, and keep only the operating cash you need. Everything above that line? Move it earlier to invest, accelerate debt payoff or fund your next dream goal. Scenario planning included. No micromanaged categories.
Project cash flow up to 10 years ahead across every account. See your operating cash threshold—the minimum you need for upcoming bills. When balances stay above that line, you know exactly when surplus is ready to move toward investments, debt payoff, or savings. No guessing, just control.
Stop wondering if you're building wealth or spinning your wheels. Track net worth automatically as cash, investments, and debts update in real time. See if your sacrifices are paying off. No spreadsheet degree required.
Your entire financial picture in one dashboard. See operating cash levels, surplus windows, cash flow trends, upcoming bills, and every account balance at once. Spot when you can safely move money earlier without risking shortfalls. Full picture in 30 seconds.
Find the money leaks draining your operating cash. Import credit card CSV files. We auto categorize transactions by merchant. Spot recurring subscriptions eating into surplus you could invest. See where every dollar goes and adjust spending to free up more deployable cash sooner.
Used Excel? You already know this. Spreadsheet style budget app with select to sum, undo, redo, and in cell editing. All the power, none of the broken formulas.
Stay on top in 10 minutes a week. Quick financial reviews to confirm account balances, verify bill payments, and catch cash flow problems early. Small effort, massive peace of mind.
"Literally cried when I saw I could actually SEE when I'd run out of money instead of just... finding out the hard way. Haven't had an overdraft fee in 4 months and that's $140 I actually kept."
"Found THREE subscriptions I forgot I was paying for. $63/month just... gone. I was out here budgeting my groceries down to the dollar while Netflix was charging me for an account I don't even use anymore. I'm furious but also so relieved."
"I can finally pay extra on my credit card without that panic of 'wait can I actually afford this?' Seeing my balance two months out means I KNOW I'm good. Paid off $2,400 this year and I'm not even stressed about it."
"My partner and I used to fight about money every week because neither of us knew what we actually had. Now we can both see the forecast and it's just... peaceful. We're saving for a wedding and I'm not panicking about it."
"I was paying $35 overdraft fees like it was a subscription service. Saw my first month's forecast and moved $200 to checking before rent hit. Saved $70 in fees that month alone. Why didn't I do this sooner??"
"The relief of knowing I can actually buy my mom a birthday gift without checking my account seventeen times first. Seeing three months ahead changed everything for my anxiety."
"I thought I was bad with money. Turns out I just needed to SEE it. Now I know exactly when my freelance payment needs to hit to cover bills. Game changer for irregular income."
"Stopped living that 'is my card going to decline' life. I can see if I'm short two weeks before it happens. My stomach doesn't drop every time I swipe my card anymore."
"Finally putting money toward my student loans without that voice in my head going 'but what if you need it for rent?' I can literally see I'll be fine. It's been six years and I'm finally making progress."
Learn how Sonnet Money helps you plan your cash forward, invest surplus, and reach your financial goals.