TheoryCashing is a macro-enabled Excel workbook for forecasting personal or household cash flow.
TheoryCashing was formerly known as CashCast. The product name has changed, but the forecasting model and its compatibility-sensitive worksheet, table, and macro identifiers remain intact.
Instead of asking only:
"On average, do I make more than I spend?"
TheoryCashing also asks:
"When the bill is due, will the money actually be in the account?"
TheoryCashing builds a day-by-day cash-flow forecast from your income schedule, recurring obligations, and a known bank balance. It shows when money is expected to arrive, when it is expected to leave, and how the projected balance changes along the way.
TheoryCashing Budget Summary using synthetic data.
- Day-by-day cash-flow forecasting
- Multiple income sources and recurring obligations
- Weekly, biweekly, semimonthly, monthly, quarterly, and annual schedules
- Forecasts beginning from a known bank balance on a specific date
- Partial-year and future-year forecasting
- Projected running balances and low-balance visibility
- Normalized monthly and annual planning figures
- Validation and reconciliation checks
- Separate configuration and generated forecast worksheets
- Regenerable forecasts as circumstances change
Download the latest TheoryCashing release
TheoryCashing requires Microsoft Excel with VBA macro support.
Important
TheoryCashing contains VBA macros. Excel or Windows may block macros in files downloaded from the Internet. Only enable macros after confirming that you trust the source of the workbook.
- Open
TheoryCashing.xlsmin Microsoft Excel. - Enable macros if you trust the downloaded workbook.
- Configure recurring income on Income Setup.
- Configure recurring expenses on Obligations.
- Select Create Annual Budget.
- Enter the requested starting balance and forecast information.
- Review the generated yearly forecast.
Do not save TheoryCashing as .xlsx; doing so removes the VBA project required for forecast generation.
TheoryCashing generates calendar-year worksheets such as 2026, 2027, and 2028.
Each forecast applies scheduled income and obligations to actual calendar dates and calculates the resulting projected balance over time.
Generated TheoryCashing annual forecast using synthetic data.
The most useful number is not necessarily the annual surplus. It is often the lowest projected balance between now and the next paycheck.
TheoryCashing intentionally distinguishes between planning averages and calendar forecasts.
Normalized monthly and annual figures help answer:
"Does my budget work overall?"
Generated forecasts help answer:
"Will the money be there when I need it?"
Those figures may legitimately differ because forecasts use actual calendar occurrences. For example, a weekly expense can occur five times in some months even though its normalized monthly amount is based on an average.
- TheoryCashing User Guide - installation, configuration, everyday use, security, and troubleshooting
- TheoryCashing Technical Guide - scheduling rules, forecast behavior, workbook structure, validation, and design assumptions
TheoryCashing_User_Guide.pdf- portable edition of the user guide included with releasessrc/Module1.bas- inspectable VBA source
Found a bug, something confusing, or have an idea for TheoryCashing? Please open a GitHub issue.
Bug reports and feedback are welcome. TheoryCashing is provided without a commitment to ongoing support or maintenance, but useful reports may help improve future releases.
TheoryCashing is a personal budgeting and cash-flow forecasting tool provided for informational and educational purposes only.
Think of TheoryCashing as theorycrafting for your cash flow - not a substitute for your bank balance or professional financial advice.
TheoryCashing does not provide financial, investment, accounting, tax, or legal advice. Its forecasts are hypothetical projections based on the information entered into the workbook and its scheduling assumptions. They are not guarantees of future balances, transaction timing, available funds, or financial outcomes.
Do not rely on a TheoryCashing forecast as a substitute for checking your actual bank balance, payment obligations, or other financial records before making financial decisions.
TheoryCashing is provided "AS IS", without warranty of any kind and without any commitment to support, maintain, update, correct, or continue development of the software.
TheoryCashing is released under the MIT License. See LICENSE for the full license terms.
TheoryCashing was developed with assistance from AI tools for coding, debugging, testing, and documentation. The project's design decisions and released functionality were reviewed and tested by the maintainer.
Maintainer Note: I still don't think AI should be used to generate images of Will Smith eating spaghetti, but I can appreciate the niche use cases. Can we get back to AI curing cancer?