# Cashflows Pro — Future Balance Forecaster

> Future balance forecaster for bank accounts based on planned transactions. (iPhone/iPad app by Nicola Cavanagh.)

- Source: https://appshunter.io/ios/app/cashflows-pro/id1543829197 (this page in markdown: same URL + `.md`)
- Developer: [Nicola Cavanagh](https://appshunter.io/developer/669840345)
- Category: Finance, Lifestyle
- Price: $2.99
- Rating: 4.50/5 from 20 App Store ratings · 24 written reviews indexed
- Age rating: +4
- Requires: iOS 26.0 · 14 MB
- Languages: German (Germany), European Spanish, French (France), American English, Italian, Japanese
- Released: 2020-12-29
- Data updated: 2026-09-04
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/cashflows-pro/id1543829197/reviews.md

## What is Cashflows Pro?

Follow us on Twitter at @CashflowsApp!

Cashflows Pro helps you forecast future balances of your bank accounts. It's simple to set up and requires minimal effort to maintain.

Tell it about your recurring transactions (including transfers between accounts) and future one-time transactions, and let it estimate your account balances months (or years) into the future.

It's not interested in the past, so there's no need to enter or maintain your transaction history.

It shows your account transactions and balances over time and lets you override individual payment dates and amounts. Quickly toggle payments on and off to see how they impact your future balances. The graph updates immediately with any changes you make.

Update the starting balance occasionally, and it'll show you which transactions are still due. If any have already occurred (or are late) just tap & hold to toggle them on or off.

FEATURES:

- Multiple accounts: Add multiple accounts and set up recurring or manual transfers between them.
- Recurring transactions: Supports recurring transactions with start date, end date (optional) and many recurrence options.
- Warning balance: Set a warning balance for an account and see at a glance when your balance is below it.
- Interactive forecast graph: Shows your future balance over time, highlighting warning balance and negative regions; tap the graph for a closer look at the nearby transactions.
- File-based: Keep multiple scenarios in separate files. Open backup files from Cashflows or Total Cashflow.

MANY USES:

* Planning Future Purchases:

This is a great tool for forecasting payments for a future loan, mortgage or car lease. Create a recurring transaction for the payment amount, fill in the first and last payment dates and see how it affects your balance. Make adjustments to figure out what you can afford.

* Planning for Change:

You might have a recurring bill that increases annually (such as health insurance). Simply create another recurring transaction to represent the increased payment and set its start date appropriately, and adjust the end date of the original transaction. You'll immediately see how it affects your finances in the future.

* Planning for Uncertainty:

The forecasts are only as accurate as you need them to be. If you plan to pay a minimum amount per month onto your credit card, set that up as a recurring transaction. Once you decide how much you want to pay this month, just override the forecast amount. You can always edit or delete the override later.

* Getting Out of Debt:

This app can help you get out of debt, and figure out how long it will take. Enter a recurring transaction between your checking / current and loan / credit account for the minimum amount you intend to pay each month. Extend the forecast period (tap "More" at the bottom of the Forecast page) and then look at the Balance Graphs for your accounts. If you can afford to pay extra in a few months, override that month's payment (or create a one-time transaction for the additional amount). You'll instantly see the effect on your checking / current balance, loan balance and when the loan will be repaid.

## Key features

- Multiple account management
- Recurring transaction setup
- Warning balance alerts
- Interactive forecast graph
- File-based scenario management
- Override transaction details

## Recent user reviews (10 of 24)

All indexed reviews: https://appshunter.io/ios/app/cashflows-pro/id1543829197/reviews.md

### 3/5 — Graphic

*2025-12-31*

Unable to hide the graphic. Is it possible? If só, 5 stars!

### 1/5 — File does not load

*2025-11-13*

Twice the file failed to load and it won’t work

**Developer response:** Hi - Can you provide more detail? Is your file saved to the local drive, iCloud Drive, Dropbox, or somewhere else?

FYI we’re currently working on an update that addresses many known issues, including iOS 26 compatibility.

### 5/5 — Always be here

*2025-05-03*

Hello thank you again for writing such a genius app.  I hope this app will always be in the App Store I never wright reviews but I can’t pay my bills without this app it’s that good for budgeting either on a desktop or a phone.  Have a good day

**Developer response:** Thanks for the feedback! It really helps 👍🏻

### 1/5 — No longer works

*2025-04-21*

This app no longer works. You can open the app, and set up your accounts and transactions, but once you exit the app you can’t re-open it. I’ve emailed the creator but got no response.

**Developer response:** Hi - Are you still having this issue? Did you save your file to the local device, iCloud or somewhere else?

We have a couple of options that may help:

- We can add you as a beta tester. Running the beta version should make getting crash logs and general diagnosis much easier for us.
- We have a “Data anonymizer” tool available at https://cashflowsapp.com/Cashflows/anonymize-cashflows.html. It runs completely in your browser, so isn’t sending any information directly to us. Here’s how to use it:
  1. Click “Choose File” and browse to your Cashflows Pro data file.
  2. Click the “Anonymize” button, and it’ll scramble the names and amounts of all transactions. However, it’ll retain dates and recurrence intervals (since these are likely to be the cause of unexpected behaviors).
  3. Click the “Copy to clipboard” button to copy the scrambled content into your clipboard, which you can then paste directly into an email.
  4. We can then open the scrambled file in a development environment and check directly for crashes etc.

### 5/5 — Just download it

*2025-03-07*

Whoever gave this app 1 star is mad and criminal. If you don’t like this app, fine, but objectively this app does everything exactly as advertised and smoothly too. On top of that, it’s actually good and really hits the gap in the market because no other app provides such a simple task of forecasting your money without having to pay monthly. 

📈 This app has a smooth graph, similar to PocketSmith, that let’s you glide across the timeline like butter in pan.

🔄 The flexibility of adding and tweaking recurring items surpasses apps like Moneydance for its simplicity.

✨ It looks much simpler and cleaner than apps bigger apps like MoneyWiz.

🏦 It lacks certain features found in the sunsetted app Money Dashboard (R.I.P.), such as budgets and synchronised bank accounts.

🗓️ It’s missing a classic calendar view, however it has the most intuitive timeline view I’ve used, including very clear icons to identify the type of transaction, such as transfer icons, and they are also color coded so you know whether it’s debit or credit!

Like, is this the one app to rule them all? No. But is there an app that does all of this, AND does it for 2-frikkin-99 (£2.99)? HELL NO! THANK YOU DEV, HERE’S A WELL EARNED 5 STAR. 

Please keep the app updated. Thnx.

### 4/5 — love it

*2024-12-25*

i love it but the bug that sometimes prevent the files to be open is so annoying bc it happened randomly

**Developer response:** Hi! - Do you have your files stored in iCloud Drive, or local to the phone only?

### 5/5 — Best of the best 5

*2024-12-23*

Thanks for updating this great budget software. Please don’t hesitate to purchase this very fair priced money app.  There is nothing better in the App Store for future forecasting your money.  There are plenty of budgeting apps but I don’t care what I have spent already.  The power of this app is future forecasting of money which makes this app standout.  This app  is genius and unique for managing money and bills. 🙏

**Developer response:** Thanks for the feedback! It really helps 👍🏻

### 3/5 — Needs some updates

*2024-11-11*

I'm having some serious issues opening the program. It must not be keeping up with the latest Apple updates. For example, I can't tap and open sometimes. I'm using an Ipad. Then later in the day it may open, it does this randomly.
It's a good program but I'm becoming more suspicious it will last, if updates are not forth coming.

**Developer response:** Hi - Are you still seeing these issues with the latest update? Which iOS device(s) and versions are you using?

### 5/5 — Brilliant App

*2024-11-08*

I've been using this app for years. Since the earliest version before the Pro release. The developers continue to update the app paying attention to the details. I use as a ledger and account balancing/budgeting tool.

**Developer response:** Thanks for the great feedback!  Much appreciated.

### 5/5 — Makes life easier! Love the tweaks to ui

*2024-10-03*

My go to for keeping track of all accounts mortgage savings and investments. 
Update tweaks are really excellent - simplifies everything. 

If you’re a person who likes to know and plan ahead financially , don’t go past this app. I’ve tried others and this o e beats them all hands down by far. 
Been using it for years and years. Wouldn’t be without it. Cheers

**Developer response:** Thanks for the awesome feedback!

## Frequently asked questions about Cashflows Pro

### What does Cashflows Pro do?

Cashflows Pro helps you forecast your future bank account balances. It allows you to input recurring and one-time transactions to predict how your balances will look months or even years ahead. The app focuses solely on future projections, not on tracking past transactions.

### How does Cashflows Pro forecast balances?

You set up your accounts and then add recurring transactions (like bills or income) and future one-time transactions. The app uses this information to estimate your account balances over time. You can also set warning balances to be alerted when your funds are low.

### Is Cashflows Pro free to use?

Based on the provided information, Cashflows Pro is a paid application. It does not appear to have in-app purchases or advertisements, suggesting a one-time purchase model for full functionality.

### Can I manage multiple bank accounts with Cashflows Pro?

Yes, the app supports multiple accounts. You can add various bank accounts and set up recurring or manual transfers between them, allowing for a comprehensive view of your overall financial future.

### What are some common uses for Cashflows Pro?

Common uses include planning for future purchases like loans or leases, anticipating changes in recurring bills, managing uncertainty in variable payments, and strategizing to get out of debt by visualizing payment impacts over time.

## Version history (last 5 releases)

### 1.0.33 — 2026-07-20

Fixed issue that prevented recurring items showing edits.

### 1.0.32 — 2026-03-21

Updated for latest iOS and macOS versions

### 1.0.31 — 2024-10-02

- Improvements to custom recurrence editing
- Bug fixes and improvements for iOS 18

### 1.0.30 — 2022-09-03

- Reporting improvements
   - Print
   - Save as PDF (full vector output)
   - Export as Excel workbook (XLSX)
- General bug fixes and improvements

### 1.0.28 — 2022-06-19

- Fixed bug that could prevent edits from saving correctly

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## More apps by Nicola Cavanagh

- [Cashflows](https://appshunter.io/ios/app/cashflows/id886944289)

All apps by Nicola Cavanagh: https://appshunter.io/developer/669840345

## Related topics

[nicola cavanagh](https://appshunter.io/ios/topics/nicola-cavanagh) · [cashflow pro](https://appshunter.io/ios/topics/cashflow-pro)

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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 2026-09-04.*