Cashflow Companion

The budget app that works without linking your bank. Track your money, know what's safe to spend, and plan your finances — safely offline, on your device. FEATURES: Safe to Spend Calculator See exactly how much money you can safely spend or allocate, based on your current balance minus upcoming bills and expenses plus expected income. No guesswork. Personal Financial Insights Know how much your income exceeds your expenses or vice versa, how many days until your next payday, what your largest upcoming expense will be, and when the tightest upcoming time of the month will be. Budget Tracker Keep a complete record of every transaction. Understand your income and expense patterns and make smarter financial decisions over time. Offline Budget App — 100% Private No bank account linking. No server sync. No account required. Your financial data lives on your iPhone, encrypted by iOS — never shared, never sold. Net Worth Tracking & Forecasting Monitor assets and liabilities over time. Forecast your net worth up to 30 years into the future with custom growth rates per account. Income & Expense Breakdown Annual pie charts make it instantly obvious if your expenses exceed your income and where to improve. Recurring Transactions Set up regular bills and income once, or import via CSV. The app factors them automatically into your available funds. Share your data with a partner via bluetooth without exposing data over the internet. PRIVACY FIRST: No bank account linking — your credentials stay with you 100% on-device storage — encrypted by iOS No account required — start immediately No data collection — we won't even know your email Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Learn more at cashflowcompanion.net