Cash Flow Planner · Getting started

Plan recurring bills around your paydays

Organize recurring bills and paydays in one daily cash-flow plan. Learn how to enter schedules, review timing gaps, and update your plan when bills change.

Recurring bills can look manageable as a monthly total and still arrive at inconvenient times. Cash Flow Planner brings expected income and expenses into one daily forecast so you can see which bills fall before your next payday.

Start with a bill inventory

List your repeat expenses, including rent or mortgage payments, utilities, insurance, subscriptions, and planned debt payments. Record the amount, expected clearing date, and recurrence for each. Use an estimate for variable amounts and revise it when the actual bill arrives.

A bill's due date and its bank withdrawal date may differ. Enter the date you expect the money to leave your account, then check that assumption with your provider or bank.

Add your income schedule alongside expenses

Enter recurring paychecks on their expected dates. A biweekly payday and a monthly bill follow different schedules, so avoid treating every month as an identical list. Cash Flow Planner expands recurring entries into the forecast, letting you review the sequence day by day.

Use tags to make a long list easier to review

Tag entries with categories that make sense to you, such as Home, Utilities, or Subscriptions. Tags help you find related entries without changing the amounts in your plan. Add one-time expenses separately so an unusual purchase does not accidentally repeat.

Look between paydays

Suppose your balance is $600, a $450 bill clears on Tuesday, a $200 bill clears on Wednesday, and a paycheck arrives Friday. The forecast reaches −$50 before payday even though the paycheck may cover both bills eventually. That timing gap is the detail to investigate.

This example uses fictional figures. The app shows projected balances from your entries; it does not guarantee available funds or prevent an overdraft.

Update the plan when a bill changes

Adjust recurring amounts when prices change, and skip individual occurrences when a payment will not happen. Include everyday spending as well as fixed bills. Without it, your forecast may look more comfortable than your actual account.

Record debt payments in the cash plan too

The app's free debt tracker is a separate record. Recording a payment there does not automatically create a cash-flow expense. If the payment will leave your cash account, add that expense to the forecast as well.

Your entries, on your Apple devices

Plan on your iPhone and review the same data on iPad or Mac using the same Apple Account with iCloud enabled. No bank connection or separate app login is required. The free version includes one cash account and a 30-day forecast; Pro extends the forecast and adds more accounts through a one-time purchase.