Personal Cashflow

Personal Cashflow

Bill Tracker & Budget Forecast

2 ratings
1 review
Free
In-App Purchases

Details

Released
January 7, 2025
Updated
November 3, 2026

Features

Personal Cashflow video #1 for iPhone
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Personal Cashflow screenshot #6 for iPhone
iphone
iphoneDuo
ipad
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About

This app projects your future financial balance based on bills, paychecks, and transfers, helping you identify and address potential shortfalls up to three years in advance. It tracks all recurring and one-time transactions, offers debt payoff plans, and provides customizable financial reports. Your data remains private and on your device.

✓Projected balance chart
✓Future financial forecasting
✓Recurring bill tracking
✓Debt payoff plan comparison
✓Customizable financial reports
✓Private, on-device data storage
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What's New in Personal Cashflow

3.14.0

November 3, 2026

Keep a link with any bill. Links on transactions Under More, add a link to any bill, deposit or transfer: where you pay it, the order, the invoice. Type just the address, like chase.com, and tap Open to go there. Right where you pay When you process a bill, its link sits under the name, one tap from paying it. Each payment keeps the link in Transactions, and you can change a payment's own link there. More room on Cashflow Scroll down the list and the chart shrinks to a strip, so more of your upcoming transactions fit. Scroll back to the top to bring it back. Better on iPhone Duo The green + sits in the middle of the tabs, open or closed, and every screen's header takes less room.

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Subscriptions & In-App Purchases

Cashflow Annual

Cashflow projections, sync & PDF reports. Yearly.

$59.991 Year
7 Days trial
How to cancel Personal Cashflow subscription ⁉️

User reviews

The. Best.

Not only is the app incredible at providing insights into your current and future financial situation, the developer is also fantastic to work with and I’ve really had the best time working with them to provide feedback and potential features. They have taken everything I’ve submitted and done an amazing job at getting the requests built and shipped. Honestly, I’ve used about 15 different future casting apps, programs, excel/sheets documents, Etsy templates, hand written logs, and this has been by far the most representative of what I am needing. We like to input every possible expense we have and see how each decision we make could affect our finances in the future. Typical monthly budgeting doesn’t work for our family based on our pay schedules and varying income, so being able to move when we pay bills based on a paycheck/income instead of a strict envelope or $0 balance system is really helpful. The app is really customizable and the reports it can produce are really insightful. It’s helping us phase out our Monarch subscription. Every feature in the app has been carefully considered. I’m just fan-girling over the app at this point, but it’s seriously a great app for future casting.
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Response from developer

Thank you so much! Reviews like this make our day. Your feedback has shaped a lot of the app: pending transactions, notes and links on bills, ending a series after a set number of payments, the calendar of daily balances, and most recently the iPhone Duo layout and a Cashflow chart that shrinks as you scroll. Planning around real pay schedules instead of a strict monthly budget is exactly why we built Personal Cashflow, and it's great to hear it fits the way your family plans. Keep the ideas coming. You can reach us anytime from Help in the app. Personal Cashflow Team

Developer apps

FAQ

What is Personal Cashflow?

Personal Cashflow is a finance app that projects your balance forward from bills, paychecks, and transfers. It helps you see potential financial shortfalls up to three years in advance so you can address them proactively.

How does Personal Cashflow handle my financial data?

Personal Cashflow is private by design. It does not require bank logins, does not have ads, and does not sell your data. All calculations are performed on your device, and data syncs privately through your iCloud.

What are the subscription options for Personal Cashflow?

Personal Cashflow offers auto-renewable subscriptions: $7.99 per month or $59.99 per year. The annual plan includes a 7-day free trial. You can manage or cancel your subscription in your Apple ID account settings.

Can I track my debts with Personal Cashflow?

Yes, Personal Cashflow includes a 'Loans & Cards' feature to track what you owe, including interest. It also offers payoff plans like Snowball and Avalanche, showing when each debt will be gone.

What devices is Personal Cashflow compatible with?

Personal Cashflow is available for iPhone and iPad. It supports various device states, including open or closed on iPhone Duo.

How often is Personal Cashflow updated?

The latest version of Personal Cashflow is 3.14.0, last updated on November 3, 2026. Updates typically occur to improve features and reliability.

Does Personal Cashflow have ads?

No, Personal Cashflow does not have advertisements. The app is designed to be ad-free, focusing on a clean user experience for financial management.

What is the user rating for Personal Cashflow?

Personal Cashflow has a high user rating of 5.0 stars based on 2 ratings. This indicates strong user satisfaction with the app's functionality and design.