cash-flow.life

What It Is

Cash-Flow simulation（α ver） is a Japanese cloud-based “visual cash flow schedule” tool. Its core goal is to let users enter income, expenses, and account balances in an intuitive way—such as “electricity bill: 8,000 yen”—without needing complex accounting knowledge. It then automatically generates monthly and daily cash flow simulation tables to help identify future account balance shortfalls, seasonal budget pressure, and room for loan repayment.

Core Features and Integrations

The product centers on cash flow simulation: it supports cash/account balances, recurring income and expenses, one-off inflows and outflows, multi-scenario simulations, chart-based balance and risk visualization, and drill-down from monthly results to daily cash movements. Pro and above support CSV bulk entry, bulk balance updates, Excel/CSV/HTML export, as well as importing single journal-entry CSV files exported from accounting software and automatically generating simulation items. Enterprise provides an API for data retrieval, registration, deletion, running simulations, and obtaining results, making it suitable for connecting with external sales or expense systems. The notes field can link to materials such as Dropbox and Google Spreadsheet, but this is more of a lightweight linking feature rather than deep native integration.

Pricing and Ease of Use

The Free plan is permanently free, but has limited capacity, making it suitable for individuals or small-scale trial calculations. Pro costs 5,760 yen per year excluding tax, and includes 36-month simulations, 50 scenarios, and the main import/export features, offering good value for money. Enterprise costs 45,600 yen per year excluding tax, mainly targeting larger data volumes and API needs. The site emphasizes that 84% of users feel they can get started without a manual, and the interface is clearly positioned toward non-specialist finance users.

Pros and Cons

The advantages are its intuitive presentation of cash flow risk, its ability to replace repeatedly maintained Excel cash flow sheets, its multi-scenario functionality for quick “what if” analysis, and its low price threshold. The drawbacks are also clear: the site labels it as an α version, so maturity is uncertain; it does not disclose key enterprise procurement information such as team collaboration, permissions, audit logs, backups, security certifications, or SLA; and payment methods and support arrangements are not explained.

Who It’s For and Access from China

It is better suited to Japan-based SMEs, sole proprietors, shop operators, or finance managers who need account-level cash flow forecasting. Chinese users may face issues such as language, yen-denominated payment, and mismatches between accounting categories and local tax/accounting systems. Website accessibility from China cannot be determined from the text, so it is marked as unknown. If operating in China, users may want to first compare Kingdee, Yonyou, Chanjet, or build a lightweight model using Excel/Google Sheets.