# Personal Cashflow > Personal finance app projecting future cash flow and managing accounts without bank logins. (iPhone/iPad app by Villareal Software LLC.) - Source: https://appshunter.io/ios/app/personal-cashflow/id6739950014 (this page in markdown: same URL + `.md`) - Developer: [Villareal Software LLC](https://appshunter.io/developer/1466701234) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.0 · 5 MB - Languages: American English - Released: 2025-01-07 - Data updated: 2026-08-31 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/personal-cashflow/id6739950014/reviews.md ## What is Personal Cashflow? Cashflow shows you where your money is headed—before it surprises you. Instead of just logging what you've spent, Cashflow projects your balance forward from your bills, deposits, and transfers, so you can see the dips and surges coming 30, 90, or 365 days out. No bank logins. No ads. No data sold. Your information stays on your device and syncs privately between your iPhone and iPad through your own iCloud. WHAT YOU CAN DO • See a projected cashflow chart with your highest, lowest, and any negative-balance days called out • Track bills, deposits, and transfers—one-time or recurring (weekly, biweekly, monthly, and more) • Manage multiple accounts with individual balances • Organize spending with custom, color-coded categories • Get a dashboard with balances, a cashflow preview, monthly summaries, and spending insights • Export PDF reports by category, month, or bill • Choose Light, Dark, or System appearance PRIVATE BY DESIGN Cashflow never asks for your bank credentials and never sells your data. Everything is calculated on your device. SUBSCRIPTION & LEGAL Cashflow is an auto-renewable subscription: • Monthly — $7.99 / month • Annual — $59.99 / year (includes a 7-day free trial) Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless turned off at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID account settings. Privacy Policy: https://personalcashflow.net/privacy.html Terms of Use (EULA): https://personalcashflow.net/terms.html ## Key features - Projected cashflow chart - Track bills, deposits, transfers - Manage multiple accounts - Custom spending categories - Dashboard with insights - Export PDF reports ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Cashflow Annual | $59.99 | per year | | Cashflow Monthly | $7.99 | per month | ## Frequently asked questions about Personal Cashflow ### What is Personal Cashflow? Personal Cashflow is a finance app designed to project your future balance by tracking bills, deposits, and transfers. It helps you visualize your financial trajectory up to a year in advance without requiring bank logins. ### How does Personal Cashflow handle subscriptions? Personal Cashflow operates on an auto-renewable subscription model. You can choose between a monthly subscription for $7.99 or an annual subscription for $59.99, which includes a 7-day free trial. Subscriptions can be managed or canceled in your Apple ID account settings. ### Is Personal Cashflow secure? Yes, Personal Cashflow is designed with privacy in mind. It never asks for your bank credentials, and all financial calculations are performed directly on your device. Your data syncs privately between your iPhone and iPad via iCloud. ### What devices does Personal Cashflow support? Personal Cashflow is currently supported on iPhone. Your data can sync privately between your iPhone and iPad through your own iCloud. ### How often is Personal Cashflow updated? The latest version of Personal Cashflow is 3.6.12, last updated on June 29, 2026. This indicates a history of regular updates to improve the application. ### Can I export my financial data from Personal Cashflow? Yes, Personal Cashflow allows you to export PDF reports. These reports can be generated by category, month, or bill, providing a detailed overview of your financial activity. ### Does Personal Cashflow have ads? No, Personal Cashflow is ad-free. The description explicitly states 'No ads,' ensuring an uninterrupted user experience. ### What is the age rating for Personal Cashflow? Personal Cashflow has an age rating of 4+. This indicates it is suitable for users of all ages, with no mature content concerns. ## Version history (last 5 releases) ### 3.6.13 — 2026-08-21 This release fixes how the Cash Flow tab filters by account, plus a crash on Mac. • Fixed: a bill assigned to one account could also appear as a future occurrence in another account's projection. Each account's Cash Flow now shows only its own bills and deposits. • Fixed: projected balances no longer include other accounts' bills. If you use more than one account, your projected balance may look different—and more accurate—than before. • Fixed: a transfer out of an account now appears in that account's projection as a debit. Previously it showed only as a credit on the receiving account. • Fixed: saving a PDF report to Files could crash the app on Mac. Questions or feedback? Visit https://personalcashflow.net/help ### 3.6.12 — 2026-06-29 Cashflow has had a major update since the last App Store release: • Forward-looking projection—see your balance 30, 90, 180, or 365 days ahead, with highest, lowest, and negative-balance days highlighted • Private iPhone ↔ iPad sync through your own iCloud • Redesigned dashboard with balances, cashflow preview, monthly summaries, and spending insights • Multiple accounts, transfers, and custom color-coded categories • Faster transaction entry and a refreshed, focused design • PDF reports by category, month, or bill • Redeem subscription offer codes right inside the app Questions or feedback? Email support@personalcashflow.net ### 2.3.1 — 2025-03-07 ADDED - bills listed on the bills highlight in red if past the present date ### 2.3.0 — 2025-03-06 ADDED – Filter functionality on the History tab, including total debits and deposits. ### 2.2.0 — 2025-03-02 ADDED - Help content designed to be both comprehensive for new users and a quick reference for existing users. ## More apps by Villareal Software LLC - [Personal Forcast](https://appshunter.io/ios/app/personal-forcast/id1466701235) - [Personal Forcast2](https://appshunter.io/ios/app/personal-forcast2/id1661429542) - [Pierce County Fair Scrapbooks](https://appshunter.io/ios/app/pierce-county-fair-scrapbooks/id6470737208) - [Arcade Vault](https://appshunter.io/ios/app/arcade-vault/id6787273206) All apps by Villareal Software LLC: https://appshunter.io/developer/1466701234 --- *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 2026-08-31.*