Cash Flow Tool

New Tracking Start setting hides months you weren't using the app without changing any numbers. Plus smarter Debt Payoff charts and polish.

Most budget apps tell you where your money went. Cash Flow Tool tells you where it's going. Pro version (one-time, not subscription) unlocks unlimited use with no limits to anything. The free tier includes up to 15 bills, 1 income source, 2 credit cards, 1 loan, and 4 months of balance projection. Previous purchases automatically get Pro.

Built around a 12-month, week-by-week projection engine, Cash Flow Tool maps your upcoming bills, income, credit card payments, and loan obligations into a running balance so you can see your financial picture before it happens, not after.

Know Your Weeks, Not Just Your Months Every month is broken into weeks. See your projected balance at the end of each week, spot low-balance periods before they become overdrafts, and plan one-time expenses or extra income with precision. A color-coded warning highlights any week your balance dips below your threshold.

Everything in One Place Recurring bills with due-day scheduling and category tagging Multiple income sources with flexible pay frequencies (weekly, biweekly, semi-monthly, monthly) Credit card balances, limits, and interest rate tracking Loans with monthly payment and due-day scheduling One-time expenses and additional income entries per week

Savings Builder Set up to three savings buckets with your strategy of choice: a percentage of your income, a percentage of your monthly surplus, or a fixed amount. Savings contributions reduce your projected balances in real time so you always know what saving actually costs you month to month.

Debt Payoff Planner See your true payoff timeline using the Avalanche method (highest interest first), Snowball method (smallest balance first), or your current payment plan. Add extra monthly contributions and watch the payoff date move. Interest costs are calculated and displayed so the math is never hidden.

Charts That Actually Help The Cash Flow chart plots your 52-week projected balance as a line, with your low-balance warning shown as a reference. Zoom in or out, tap any week for details, and scroll across the full year. The Expenses chart breaks your monthly spending into categories so you can see where your budget is going at a glance.

Built for iPhone, iPad, and Mac One app, all your devices. The full experience is available on iPhone, iPad, and Mac with a layout tailored to each. iCloud sync keeps everything up to date automatically across all of them. You can also share your data with a family member or partner so you're always working from the same numbers. Dark mode supported.

Private and Secure Enable Face ID, Touch ID, or passcode lock so the app requires authentication every time it opens. Your data lives in iCloud and is never shared with anyone without your permission.