Cash Flow Tool
Cash Flow by Clark
Free · In‑App Purchases
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.
Ratings & Reviews
Tracking Start (new)
If you started using the app partway through the year, you can now hide the months you weren't tracking from your year view. Open Settings → Tracking Start, pick the month you began, and earlier months render as "Before tracking" placeholders instead of empty rows.
Your data is preserved. Toggling Tracking Start changes only what's visible — no data is moved, deleted, or recalculated. Set it to August this morning, back to January this afternoon: your data is exactly where you left it. Math, totals, and projections are unaffected. Default is January, so existing users see no change unless they choose to use it.
Smarter Debt Payoff
• Gold credit cards (the ones the Payments Planner says you're on track to pay off this year) now show a matching payoff date in the Debt Payoff view.
• New Hide Loans toggle on the Balance Over Time chart, ex. collapse a 5-year x-axis into a focused view of just your credit cards.
• Each debt's line now ends cleanly at its own payoff month instead of trailing along the bottom of the chart.
• Smoother curve interpolation through each data point.
• When loans paid via your bills budget contribute to the Payment Guide total, a new caption breaks down the math — no more "why does the total exceed Available for Debt?".
Polish
• Mac sidebar buttons no longer flicker between gray and white when you take a screenshot or switch window focus.
• iPhone Balance Over Time chart's Hide Loans toggle gets a cleaner stacked layout instead of cramming alongside the chart title.
• Cash Flow Chart's Today button now visibly dims when you're already on today.
• iPhone About sheet — fixed whitespace that was vertically centering the title block in the medium sheet.
The developer, Jonathan Clark, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Jonathan Clark
- Size
- 12.2 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - iPad
Requires iPadOS 26.0 or later. - Mac
Requires macOS 26.0 or later. - Apple Vision
Requires visionOS 26.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Cash Flow Pro $1.99
- Copyright
- © 2026 Jonathan Clark
