Cashflows Pro
Future Balance Forecaster
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Description

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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.
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User Rating

4.71 out of 5

14 ratings in United States

5 star
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Ratings History

Reviews

Needs updated

lisakruk25 on

I love this app, BUT it is in serious need of updating the program. Lately I have found that some of my reoccurring bills have disappeared from the account yet are still listed in the reoccurring bills section of said account. I then must delete the reoccurring charge & re-enter it. Because of this issue I do not have an accurate portrayal of where I am heading with my money. This is disappointing.

Great app !

Reynaldo19 on

Really great app to see future projected balances. The only thing I wish it had was an option similar to cashflowwy that we can click on a transaction and we can say it has cleared, upon choosing that the available/starting bal updates. This is a great app you have here.

Best of the best 3

Piano7sound on

Can’t live without it Thank you for making this finance app. I am reviewing 3 times that I can not pay my bills without this app please purchase to support the developer. He also doesn’t have subscription like so many others have done. This aap is unique and is better than anything else on the market for forecasting Cashflow desktop or mobile. Please buy this app you won’t regret it.

What I was looking for

bboyno on

Good app, keeps track of your accounts and lets you track recurring as well as daily expenditures. Found the instructions lacking and had to figure a few things out but support was prompt.

Best of the best 2

Piano7sound on

Can’t live without it Thank you for making this finance app. I am reviewing 2 times that I can not pay my bills without this app please purchase to support the developer

Perfect and simple!

GrizzleeAdam on

I've actually used this app for years on my iPad and it's pretty powerful but crazy easy to use. You can use it to track multiple accounts, even amortizing loans, transfers, etc and obviously see you future cash-flow charted out over virtually any amount of time. It includes low and high balances, etc. Highly recommended

Best Money Managing App

Cubansushi on

I hope this app lives on, it’s been great for many years and love how simple it is and what an impact it has on managing my accounts and balances. Thanks to the creator, cheers

This is crazy good

Garychemist on

I wrote a review a while ago, saying how well I like this app and it was fantastic even back then. Now it truly is a phenomenal app . Because of this app I was able to buy a house. Do I need to say more?

Best forecasting app hands down - developer is extremely helpful

Klickster67 on

I love this app. Have been using for many years to keep track of my finances and working my way out of debt. I use it daily and have an ipad soley because of this app - not exaggerating, it's that useful. I had run into several bugs in the newer versions of the app on ipad, and Chris the developer wad super responsive and really went the extra mile to resolve the bugs I had reported. There is one niggling bug that apparently is an apple issue (cant always close edit dialog after making a change to an item) that he wasn't able to squash, but still give this app 5 stars (in reality for me it goes to 11).

Best ever made

username already taken 2 on

Best ever made

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Category Rankings

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Category
Rank
Top Paid
8
Top Paid
160
Top Paid
172
Top Paid
193
Top Paid
195

Keywords

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Revenue and Downloads

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App Info

Category
Finance
Publisher
Nicola Cavanagh
Languages
English, French, Spanish, Japanese, German, Italian
Recent version
1.0.30 (1 year ago )
Released on
Dec 29, 2020 (3 years ago )
Last updated
2 weeks ago