# Cash Flow Budget: Headway — Bills, Net Worth & Safe Spend

> Private budget planner showing safe-to-spend amounts before next paycheck. (iPhone/iPad app by Nathan James.)

- Source: https://appshunter.io/ios/app/cash-flow-budget-headway/id6814802921 (this page in markdown: same URL + `.md`)
- Developer: [Nathan James](https://appshunter.io/developer/6797269500)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 3 App Store ratings
- Age rating: 4+
- Requires: iOS 18.4 · 12 MB
- Languages: American English, Canadian French, German (Germany)
- Released: 2026-11-02
- Data updated: 2026-11-10
- Monetization: free with in-app purchases

## What is Cash Flow Budget?

Headway is a private, local-first budget planner built around one useful question: what is safe to spend before your next paycheck arrives?

Something wrong, or got feedback to improve? Email support@headwaybudgetapp.com and it'll get put right / look into it.

PLAN WHAT IS SAFE TO SPEND
Headway protects upcoming bills, regular payments and your safety buffer, then shows what remains for today.

SEE YOUR FULL MONEY PICTURE
- Track checking, savings, cash, investment, credit-card, loan and mortgage accounts
- Understand net worth, cash flow and spending trends
- Create category budgets with optional rollover
- Plan recurring income, bills, transfers and subscriptions
- See plain-English debt payoff estimates

LOG MONEY YOUR WAY
Add transactions manually, use natural-language Money Inbox, or review imported bank-statement data before it enters your private vault.

BUILT FOR REAL LIFE
Track installment purchases, variable income, savings goals, subscriptions and the purchases that most affect your runway. Live Activities and Siri shortcuts keep the important numbers close.

PRIVATE BY DESIGN
No account is required. Your financial records stay in a protected vault on your device. Headway never silently converts account balances between currencies.

Headway includes its budgeting, safe-to-spend, insights, planning, net-worth and personalization tools with no Headway account or subscription required.

Terms of Use (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Safe-to-spend planning
- Net worth and cash flow tracking
- Category budgets with rollover
- Recurring income and bill planning
- Debt payoff estimates
- Manual and imported transaction logging
- Private, local-first design

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Headway Pro Annual | $10.00 | per year |


## Is Cash Flow Budget safe?

Not enough ratings yet to assess Cash Flow Budget.

## Is Cash Flow Budget legit?

Cash Flow Budget: Headway has limited verification signals. The AppsHunter Legitimacy Score for Cash Flow Budget is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Frequently asked questions about Cash Flow Budget

### What is Headway's main purpose?

Headway is a private, local-first budget planner designed to help you understand what is safe to spend before your next paycheck arrives. It focuses on protecting your bills and safety buffer to show you your remaining disposable income.

### What financial accounts can I track with Headway?

You can track a comprehensive range of accounts including checking, savings, cash, investment, credit-card, loan, and mortgage accounts. This allows for a full picture of your financial situation.

### How does Headway handle transaction logging?

Headway offers multiple ways to log money: manually, using a natural-language 'Money Inbox', or by reviewing imported bank-statement data before it's stored in your private vault.

### Is Headway private and secure?

Yes, Headway is designed for privacy with no account required. Your financial records are stored in a protected vault on your device, and it never silently converts account balances between currencies.

### Does Headway have ads?

No, Headway does not contain advertisements. The app is free to use and includes its budgeting, safe-to-spend, insights, planning, net-worth, and personalization tools without ads.

### What is the pricing for Headway?

Headway is available for free. There is an optional 'Headway Pro Annual' subscription plan available for $10.00 per year, offering additional features.

### On which devices is Headway available?

Currently, Headway is supported on iPhone devices. Future platform compatibility may be announced by the developer.

### How often is Headway updated?

The latest version of Headway is 1.0.1, last updated on November 5, 2026. Updates typically occur to introduce new features, fix bugs, and improve performance.

## Version history (last 2 releases)

### 1.0.1 — 2026-11-05

Headway is now optimised for iPhone Duo, with layouts that adapt across the outer display, open inner display and changing device poses.

Also included:
• A stronger, clearer onboarding experience with an interactive Impulse Pause introduction
• Faster Wallet payment automations that log without timing out
• Screenshot-based balance updates and improved transaction capture
• Account-specific cash-flow forecasts and explicit multi-currency reporting
• Editable transaction imports, duplicate warnings, undo, splits and edit history
• Safe to Spend and upcoming-payment widgets
• Stability, accessibility and interface improvements

### 1.0 — 2026-11-03

No release notes.

## More apps by Nathan James

- [MOT Tax Service Log: Motorbook](https://appshunter.io/ios/app/mot-tax-service-log-motorbook/id6802884808)

All apps by Nathan James: https://appshunter.io/developer/6797269500

## Related topics

[budget app spending tracker](https://appshunter.io/ios/topics/budget-app-spending-tracker)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-10.*