Developer: Nicola Cavanagh

Current Version: 1.1.14

Last Updated: 19 days ago

Download Size: 7.3 MB - Download


* 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.


- 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.
- Multiple account selection: CMD+Click multiple accounts to cycle through them as a group and compare balances on the graph.
- Generate reports in PDF, CSV or XML
- iCloud Sync with Cashflows for iOS:
- Backup and restore your data to Dropbox or iTunes.


* 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.


Release Notes:

Fixed crash when enabling iCloud Sync.


Most Helpful Reviews

Version 1.0.4
Review by drhope222

Indispensable App!! - I have been using this app on my iPad and iPhone for almost two years now, and it has been the greatest planning tool ever! I was thrilled to see it come out for Mountain Lion and have now synced all three devices. There is no conflict with iOS 7; everything works great together. The developer is very responsive to questions and suggestions and excited about continuously improving his product. I look forward to using the app every single day to manage my money and forecast ahead using "what if" analysis. I can see my finances now clearly into the future. Thank you to the developer for coming up with such a fantastic app!

Found helpful by 1 out of 1 people