100% On-Device Privacy

Know what you can actually spend

Stop guessing. Cashflow Companion shows you exactly how much money you have available to save, invest, spend, or give—based on your real upcoming income and expenses.

No Bank Login
Your credentials stay yours
On-Device Only
Data never leaves your phone
Cashflow Companion App Screenshot

Everything you need to manage your money mindfully

Simple tools that help you understand your finances without the complexity of traditional budgeting apps.

Available Funds Calculator

See exactly how much money you can allocate based on your current balance minus upcoming expenses, plus expected income.

Net Worth Tracking

Monitor your total financial picture over time. Track assets, liabilities, and watch your wealth grow month by month.

Asset Allocation

Visualize how your investments are distributed. Keep your portfolio balanced according to your personal strategy.

Income & Expense History

Keep a complete record of your financial transactions. Understand your patterns and make informed decisions.

Recurring Transactions

Set up your regular bills and income once. The app automatically factors them into your available funds calculation.

Simple & Intuitive

No complicated setup or learning curve. Enter your numbers and instantly see your financial clarity.

Beautiful, intuitive financial tracking

A clean interface that makes managing your money feel effortless.

Net Worth Tracking
Net Worth Over Time

Watch your wealth grow with clear trend visualization

Asset Allocation
Asset Allocation

See exactly how your investments are distributed

Balance Sheet
Complete Balance Sheet

Track all your assets and liabilities in one place

Income & Expense Breakdown
Income & Expense Breakdown

Visualize where your money comes from and where it goes

Net Worth Projection
Net Worth Projection

See how your wealth could grow over the next 10 years

Growth Rate Settings
Growth & Contribution Settings

Customize growth rates and contributions for each account

Your financial data never leaves your device

Unlike other finance apps, we don't ask for your bank credentials. We don't sync to servers. We don't sell your data. Because we never have it in the first place.

  • No bank account linking — Your credentials stay with you and your bank, not stored in our systems
  • 100% on-device storage — All your data lives on your iPhone, encrypted by iOS
  • No account required — Start using the app immediately, no sign-up needed
  • No data collection — We don't track, analyze, or monetize your information

Financial clarity in minutes

Getting started is simple. No complicated setup, no bank connections, no waiting.

1

Enter Your Balance

Start with your current bank account balance

2

Add Income

Add your expected paychecks and other income

3

Add Expenses

Enter upcoming bills and regular expenses

4

See What's Available

Instantly know what you can save, spend, or invest

Common questions

Why don't you connect to my bank?

We believe your banking credentials should stay between you and your bank. By keeping everything on-device, we eliminate the risk of data breaches entirely.

Is my data backed up?

Your data is included in your regular iPhone backups (iCloud or local). We don't have access to it, but Apple's backup system keeps it safe.

How is this different from a spreadsheet?

Cashflow Companion does the math for you and presents it beautifully. It automatically calculates available funds based on your recurring items and shows trends over time.

Is there a subscription?

The core app is free to download and use. We offer optional premium features for users who want advanced functionality.

Can I export my data?

Yes! You can export your transaction history and reports at any time. Your data belongs to you.

What if I switch phones?

When you restore from an iPhone backup, all your Cashflow Companion data comes with it automatically.

Take control of your cashflow

Stop wondering where your money goes. Start knowing exactly what you have available.

Download on the App Store