# Cash Flow Tool — Cash Flow by Clark > Financial projection tool for week-by-week cash flow and debt management. (iPhone/iPad app by Jonathan Clark.) - Source: https://appshunter.io/ios/app/cash-flow-tool/id6759261013 (this page in markdown: same URL + `.md`) - Developer: [Jonathan Clark](https://appshunter.io/developer/1877705875) - Category: Finance, Utilities - Price: Free with in-app purchases (on sale, was $4.99) - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 26.0 · 12 MB - Languages: American English - Released: 2026-02-25 - Data updated: 2026-08-24 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/cash-flow-tool/id6759261013/reviews.md ## What is Cash Flow Tool? 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. ## Key features - 12-month week-by-week projection engine - Savings Builder with multiple strategies - Debt Payoff Planner (Avalanche, Snowball) - Detailed expense and cash flow charts - Cross-device iCloud sync - Privacy features with Face ID/Touch ID lock ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Cash Flow Pro | $1.99 | one-time | ## Frequently asked questions about Cash Flow Tool ### What are the limitations of the free version of Cash Flow Tool? The free tier of Cash Flow Tool includes up to 15 bills, 1 income source, 2 credit cards, 1 loan, and 4 months of balance projection. Upgrading to the Pro version removes all limits. ### How does Cash Flow Tool handle security? Cash Flow Tool offers robust security features, including the option to enable Face ID, Touch ID, or a passcode lock for app authentication. Your data is stored securely in iCloud and is not shared without your explicit permission. ### What devices does Cash Flow Tool support? Cash Flow Tool is built for a seamless experience across iPhone, iPad, and Mac. It utilizes iCloud sync to keep your financial data updated automatically across all your Apple devices. ### How often is Cash Flow Tool updated? The latest version, 1.6.0, was released on May 6, 2026. The app is actively maintained, with the previous update being on February 25, 2026, indicating a consistent update schedule. ### Can I share my financial data with others using Cash Flow Tool? Yes, Cash Flow Tool allows you to share your data with a family member or partner. This ensures everyone is working with the same up-to-date financial numbers. ### What debt payoff methods does Cash Flow Tool offer? Cash Flow Tool supports multiple debt payoff strategies, including the Avalanche method (prioritizing highest interest first) and the Snowball method (prioritizing smallest balance first). You can also track your current payment plan and see how extra contributions impact payoff dates. ### Does Cash Flow Tool have ads? No, Cash Flow Tool does not contain advertisements. The app is ad-free, providing an uninterrupted user experience focused on financial management. ### What is the user sentiment for Cash Flow Tool? Based on the available data, Cash Flow Tool has received a perfect 5.0-star rating from one review, indicating highly positive user sentiment. ## Version history (last 5 releases) ### 1.7.0 — 2026-08-05 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 ### 1.6.0 — 2026-05-06 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. ### 1.5.1 — 2026-04-28 A big update since 1.2.1! • Payments Planner (Pro, Mac + iPad) — plan CC payments week-by-week through year-end with live per-card status. • Home Screen Widgets — Current Week and Cash Flow Chart. • Sharper forecasts — better month-end income, planned-payment, and payoff-status accuracy. • iPad polish, more reliable sync, single biometric prompt at lock, and dozens of smaller fixes. ### 1.2.1 — 2026-03-24 Fixed iPad portrait layout. Fixed New Bill names in iOS, better data engine updates after entries. ### 1.2.0 — 2026-03-16 Cash Flow Tool is now free to download! Get started with core budgeting features at no cost. Upgrade to Cash Flow Pro for unlimited bills, all 12 months, charts, debt payoff tools, savings builder, and CloudKit sharing. Existing users who previously purchased the app get Pro automatically, no action needed. --- *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 2026-08-24.*