Kasora

Individuals facing large outlays such as a mortgage, childcare or a job change who, when judging whether cash flow holds over coming months, enter income, fixed costs and one-off expenses into a browser tool, simulate month by month, and get a monthly balance curve whose assumptions they can adjust.

Manually listing income and expenses in a spreadsheet and projecting month by month, or using bookkeeping apps that review past transactions; the former is formula-heavy, the latter is backward-looking rather than forward simulation.

Before a large outlay, the low point of the balance over coming months is hard to foresee; hand-building spreadsheet formulas and repeatedly editing assumptions is slow and error-prone, and underestimating a monthly shortfall can force emergency borrowing or disrupt plans.

Why users would choose it

Inference: compared with hand-building spreadsheet formulas, it turns month-by-month balance projection into a browser tool whose assumptions can be edited directly, removing the step of building formulas and recalculating, and it starts without sign-up; so individuals facing a large outlay who want to test scenarios before deciding would choose it. No user feedback is provided, so the motive is structural inference.