# Cashflows — Future balance forecaster

> Future balance forecaster for bank accounts using recurring and one-time transactions. (iPhone/iPad app by Nicola Cavanagh.)

- Source: https://appshunter.io/ios/app/cashflows/id886944289 (this page in markdown: same URL + `.md`)
- Developer: [Nicola Cavanagh](https://appshunter.io/developer/669840345)
- Category: Finance, Lifestyle
- Price: Free (on sale, was $0.99)
- Rating: 4.50/5 from 30 App Store ratings · 39 written reviews indexed
- Age rating: 4+
- Requires: iOS 9.0 · 18 MB
- Languages: American English, French (France), German (Germany), Italian, European Spanish
- Released: 2014-07-30
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/cashflows/id886944289/reviews.md

## What is Cashflows?

* Follow @MyCashflowApp on Twitter!

Cashflows 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 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.
- Reports: Create PDF or XML reports and send them by email or to your Dropbox account.
- iCloud Sync with Cashflows for Mac.
- Generate reports in PDF, CSV or XML
- Backup and restore your data to Dropbox or iTunes.

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.

MOVING FROM TOTAL CASHFLOW?:

  1. In Total Cashflow, go to Sync -> Export to iTunes
  2. In iTunes on Mac or PC (with device connected and selected) go to Apps, then find Cashflow HD / Cashflow under “File Sharing”
  3. Select the "MyCashflow.xml” file, then click “Save to…” and select a suitable folder
  4. Browse to the folder and rename the file Cashflows.xml
  5. Select Cashflows under “File Sharing” (Cashflows has a “thinner” icon than Cashflow HD / Cashflow)
  6.Click “Add…” and select the new Cashflows.xml file
  7. In Cashflows, go to Sync -> Import from iTunes

If you prefer, email us at appsupport@skydale-designs.com for Dropbox migration instructions.

## Key features

- Multiple account management
- Recurring transaction setup
- Interactive forecast graph
- Warning balance alerts
- PDF/XML/CSV report generation
- iCloud sync
- Data backup and restore

## Recent user reviews (10 of 39)

All indexed reviews: https://appshunter.io/ios/app/cashflows/id886944289/reviews.md

### 5/5 — Exactly What I Was Looking For

*2025-12-16*

I don’t understand why it’s so hard finding an app that can forecast balances based on recurring expenses.  It’s such an easy concept but I’ve searched for 6+ months to find one I liked.  I finally stumbled upon this one, and it checks every box.  It’s easy to use, doesn’t have a subscription, and the summary screen is very useful for a quick snapshot of your account/forecasted highs and lows.

### 1/5 — December 2024 update has killed the app on iPhone

*2024-12-29*

Since recent update has gone through you can no longer select any date other than existing date for any record, this has rendered a previously excellent app useless. It has been tested on the 2 latest iPhone models and issue is present on both

**Developer response:** Hi - This app has been replaced by Cashflows Pro. Let us know if you’d like a promo code for a free copy.

### 5/5 — The Goto Cash Flow App

*2024-11-26*

I love it. Easy to use and it helps me stay on top of my expenses. Get this if you want an easy to use program.

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

### 1/5 — Glitches

*2024-10-13*

Difficult to edit recurring transactions. I find I have to completely close the app and then re-open any changes to take affect. Operation is not as smooth and user friendly as expected.

**Developer response:** Hi - Apologies for the poor app experience. Let us know if you’d like a promo code for a free copy of our newer app, Cashflows Pro.

### 1/5 — HELP!

*2021-06-18*

Ive been using this app for sometime now and it’s been a lifesaver helping me keep control of my finances. However today I cannot access the app that has all my data, “the developer of this app needs to update it to work with latest version of iOS”. If anyone can help it would be much appreciated.

**Developer response:** Hi - Was this issue resolved with a newer version? (apologies for only seeing your message today)

### 4/5 — Puzzled

*2021-05-16*

So the app is great to track my cashflow.  Only issue I can’t figure out is I have a couple recurring transactions since May 2020.  I am moving and gave those transactions an end date of June 14, 2021, but it wiped out all the prior transactions, so it screwed up my balance to date.  I then had to manually add a debit transaction to get the balance to what it should be and manually delete future occurrences...  what’s up with that??

**Developer response:** Hi - How often do you update the starting balance of your account? We recommend periodically updating the start balance (and start date) to match the latest balance in your account. By default, automatic transactions that fall more than 7 days before the starting date are automatically hidden (unless overridden).

Just adding an end date to an existing recurring item shouldn’t cause an issue. However, we have a “data anonymizer” that would let you send a scrambled version of your data to us for analysis: http://cashflowsapp.com/Cashflows/anonymize-cashflows.html

Also, would you like to try our new app - “Cashflows Pro”? I’d be happy to send you a promo code for a free copy. It requires iOS 14 or an M1-based Mac.

### 5/5 — Extremely useful

*2020-10-08*

I have used this app for years and have found it invaluable. However, today I tried to add a recurring payment and wasn’t able to access that facility.   Is this no longer available?

I tried it again today and it’s now working perfectly.

Tried again on 8th October and it’s not working again.

### 5/5 — Best of the best

*2020-09-26*

Best future forecast app for pc or phone period.  Please purchase to support the developer.  Thank you so much for your app couldn’t budget without it :)

### 5/5 — Brilliant App

*2020-09-19*

I love using this app. I have tried lots of budgeting apps but this is by far the best and I use it daily. Love it.

### 5/5 — Great App

*2020-09-15, version 1.108*

Working great again

## Frequently asked questions about Cashflows

### What does Cashflows do?

Cashflows helps you forecast your future bank account balances. You can input recurring and one-time transactions, including transfers between accounts, to estimate your balances months or even years in advance. It focuses on future projections rather than past transaction history.

### What are the key features of Cashflows?

Key features include managing multiple accounts with transfers, setting up recurring transactions with various recurrence options, an interactive forecast graph that highlights warning and negative balance regions, and the ability to generate reports in PDF, XML, or CSV formats. It also offers iCloud sync and data backup options.

### Is Cashflows free to use?

Yes, based on the provided information, Cashflows is a free application. There are no mentions of subscription fees, in-app purchases, or advertisements.

### What is the primary use case for Cashflows?

The app is ideal for planning future purchases like loans or car leases, managing financial changes such as annual bill increases, planning for uncertainty by setting minimum payment amounts, and helping users get out of debt by visualizing repayment timelines.

### Can I sync my data across devices?

Yes, Cashflows supports iCloud Sync with Cashflows for Mac, allowing you to keep your financial forecasts consistent across compatible devices. It also offers backup and restore functionality to Dropbox or iTunes.

## Version history (last 5 releases)

### 1.110 — 2024-12-23

Updated to work with iOS18

### 1.109 — 2020-09-15

Added Appearance options in Cashflows Settings: Light, Dark and Automatic (iOS 13+ only).

### 1.108 — 2020-08-03

- Fixed crash on iPad when importing a previous backup
- Reinstated automatic Dark Mode, except for graph (this will be addressed in a future update, along with start balance colors)
- Improved Dark Mode on iPad

### 1.107 — 2020-07-29

We've disabled automatic Dark Mode in the app. It will return in a future update with a greatly improved look.

### 1.106 — 2020-07-24

Fixed issues with iOS 13 Dark Mode.

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## More apps by Nicola Cavanagh

- [Cashflows Pro](https://appshunter.io/ios/app/cashflows-pro/id1543829197)

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

## Related topics

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

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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 2026-08-28.*