See the months ahead before you get there.
Upload a CSV statement from your bank and EF Forecast shows your balance month by month, with a calm, clear warning if cash is heading below your safety cushion or below zero.
EF Forecast is in final testing. The free 30-day trial will need your email address only: no card details, no password to remember.
All clearCash stays above your £4,000 safety cushion every month to October 2027.
- Lowest monthJan 2027 · £4,610
- Below cushionNone
- Below zeroNone
| Month | Expected balance | Outlook |
|---|---|---|
| November 2026 | £8,420 | Clear |
| December 2026 | £7,180 | Clear |
| January 2027 | £4,610 | Clear, closest to cushion |
| February 2027 | £5,240 | Clear |
| March 2027 | £6,880 | Clear |
| April 2027 | £7,950 | Clear |
- Above your cushion
- Below your cushion
- Below zero
What if…? Test a decision before you make it.
Pick a question, fill in a figure or two, and the forecast answers straight away in plain English. Here is the kind of bulletin you will read.
Illustrations for a sample business. Your own verdicts depend entirely on your own figures.
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Example outlook: settled
What if a client pays late?
“You are fine: cash stays above your safety cushion all the way to March 2028.”
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Example outlook: brighter
What if I win a new client or project?
Add the expected payments and see each one land in the month it arrives, lifting every month that follows.
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Example outlook: changeable
What if I take on help?
For example: “Starting in January dips cash below your cushion for two months. Starting in March keeps every month clear.”
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Example outlook: settled, with timing
What if I buy something?
For example: “A new laptop in April leaves the year clear. Buy it in December and January slips under your cushion.”
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Example outlook: settled
What if I take on a new regular cost?
Add a monthly subscription or rent rise and see how it adds up over the year, not just this month.
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Example outlook: stormy if fees fall
What if my fees go up or down?
Test a price change either way. A steep drop shows exactly which month would go below zero, long before it happens.
Scenarios are a sandbox. They never change your real books or bank figures, so you can try as many as you like and simply clear them away.
Three steps, no spreadsheet.
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Download a CSV from your bank
If your bank offers a statement download as a CSV file, that is all EF Forecast needs.
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Upload it
Drop the file in and set your safety cushion: the lowest balance you are comfortable holding, in pounds or euros.
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See your months ahead
Your balance appears month by month in traffic-light colours, with a verdict at the top telling you how things look.
Works with any bank that offers a CSV download. Nothing has direct access to your bank account.
Your statements are yours, and you stay in charge of them.
Handing over bank figures should never feel like a leap of faith. Here is how EF Forecast looks after them, in plain English.
- GDPR compliant
- Your data is handled in line with GDPR.
- Our own server
- Uploaded statements are stored on our own server.
- Delete it yourself
- Remove your account and every uploaded statement at any time, in one click, without asking anyone.
- No bank access
- You upload a file. Nothing has direct access to your bank account.
- Scenarios are separate
- “What if…” plans never touch your real figures.
Built to run a children’s music school’s books.
Elaine is based in Ireland and looks after the finances of a children’s music school in France. As the finance professional of the partnership, she designed this tool to manage the school’s books.
It worked so well that she and her partner are now turning it into a service for other small businesses and sole traders.
The EF in the name is simply Elaine’s initials. More about Elaine
Try it free for 30 days.
After the trial, EF Forecast will be a small monthly subscription, priced in pounds and euros. We are still settling the exact figure and will publish it here before anyone is asked to pay.
We are in final testing now, with our first beta testers starting shortly. Trials are not open to the public yet, so for now you can ask for a trial place using the enquiry form.
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Free trial
£0 / €030 days, every feature. Email address only, no card details, passwordless sign-in.
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Monthly subscription
To be confirmedA small monthly fee in GBP or EUR. Delete your account yourself, any time.
Things people ask first.
Which banks does it work with?
Any bank that offers a statement download as a CSV file.
Does it connect directly to my bank account?
No. You upload a file, so nothing has access to your account. Direct bank connections are something we may add in future, and we will tell newsletter subscribers if and when they arrive.
Do I need a card to start the trial?
No. The 30-day trial needs only your email address. You sign in with a link sent to that address, so there is no password to remember.
Will a “What if…” scenario change my real figures?
Never. Scenarios sit alongside your forecast and leave your real books and bank figures untouched.
Can I delete my data?
Yes, yourself, at any time. One click removes your account and every statement you have uploaded. See Privacy and data for the detail.
Does it handle euros as well as pounds?
Yes. Set up your forecast in GBP or EUR to match your account.
Is there a French version?
Not yet. A French version is planned. Join the newsletter below to hear when it is ready.
What happens when the trial ends?
You choose whether to subscribe. Because we never ask for card details during the trial, nothing can be charged without you deciding to go ahead.
Hear about the French version and new features.
An occasional, short email when something worthwhile changes: the launch date, the monthly price, the French version and any plans for bank connections.
A question before you start, or a trial place?
Ask us anything about the forecast, your bank’s CSV files or how your data is kept, or ask for a place on the free 30-day trial.
The trial needs only an email address: no card details.