Not a toy calculator. A projection engine that handles the complexity of how money actually works — while keeping things clear enough that anyone can use it.
Everything starts with your items: income, expenses, and savings. Each one has a name, an amount, a frequency, and a start date. Add your salary on its real pay schedule. Add rent, groceries, insurance, subscriptions — each on their actual dates. Add a savings goal with a target. That's your plan. The app takes those items and projects your balance forward, day by day, for as long as you need to see.
Quick start with templates: Don't want to start from scratch? Pick from a library of starter templates — Single Professional, Dual Income Family, Debt Payoff, Retirement, Career Change, New Parent, and more. Each one comes pre-loaded with realistic items and schedules. Change the amounts to match your life and you're projecting in under a minute. See all templates ↓
Your projected balance plotted for every single day across your entire plan — not monthly averages. Zoom in, scroll through months or years, and see exactly when things get tight or comfortable. This is the heart of the app.
A line-by-line statement view showing every transaction, its date, and your running balance — like a bank statement you haven't received yet. See exactly what hits your account, when, and what's left afterward.
See your monthly surplus or deficit at a glance. Spot seasonal patterns and trends in your cashflow over your entire plan horizon.
One-time, daily, weekly, biweekly, semi-monthly, monthly, yearly, custom intervals, and variable weekly/monthly for realistic spending patterns. Every item runs on its actual schedule.
Model decisions before you make them. New car, career change, extended leave — see the real dollar impact side by side without touching your actual plan.
Model raises, rent hikes, rate changes, and any permanent shift in your income or expenses. Your plan evolves as your life does.
One-time, recurring seasonal, or sliding — model holiday spending, parental leave, or gradually declining loan interest. Time-limited changes that start and stop automatically.
Model breaks in income or expenses — time off work, mortgage-free periods, seasonal pauses. Your projection handles the interruption and picks back up.
Track savings with starting balances, contribution schedules, and compound interest projections across your full plan horizon.
Plan drifted from reality? Tell the app what you actually have right now. Everything recalculates forward from truth — no starting over, no losing your history.
At-a-glance indicators that show how your plan is performing — where you're strong, where things are tight, and what needs attention.
Duplicate a plan, shift dates forward, set a new opening balance. Course-correct your projections when reality changes.
Hide completed or outdated items from your view without deleting them. Keep your plan clean while preserving your history.
Save your plan as a file on your device. Reload it anytime, on any device. Your financial plan is a file you own — like a document.
Import items in bulk from a spreadsheet using the CSV template. Export your full projection to Excel or Google Sheets. Your data moves freely.
Generate a configurable plan report you can print or save as PDF. Share a clear picture of your financial plan with anyone — on paper, not on a screen.
No bank linking. No cloud sync. No server-side storage. No data harvesting. Your financial plan lives on your device and nowhere else. Save backups anytime and reload them later — keep as many saved plans as you like. Share plans securely with AES-256 encryption and a passphrase only you know. This isn't a feature — it's how the entire app was built from day one.
Built mobile-first. Check your projection on the bus. Tweak a scenario at a car dealership. Show your partner the numbers over dinner. Same power on every screen.
Plan in your currency, displayed correctly. Proper symbol placement and formatting for USD, CAD, EUR, GBP, JPY, and dozens more.
Plan — your items, health, and quick actions at a glance. Monthly Net — income vs expenses month by month with trends. Cashflow — your projected daily balance on an interactive chart. Statement — a bank statement you haven't received yet, showing every transaction, date, and running balance.
17 templates included free. 4 premium templates use advanced features like compound increases and seasonal changes.
Start free. 3 months of full access. No credit card required.
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