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
5.0
out of 5
1 Ratings
What's New in 1.7.0
• Weekly Brief — an optional weekly notification with your week's
starting, net, and projected balances, delivered on the day and
time you choose (iPhone & iPad)
• Year Rollover — tap the year in the Months title to look back at
past years, and carry your starting balance, one-timers, income,
and planned card payments into the new year with one tap
• Payments Planner now shows each card's due date and highlights
its due week in the payment grid
• Cleaner bill list — long names and categories no longer wrap and
break row alignment
• Bug fixes and performance improvements
Version 1.7.0
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.
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
