Cashflows for Mac

Quick summary

Cashflows is a lightweight tool for projecting your bank balance into the future. Set it up once with the payments you expect—both repeating bills and one-time costs—and the app forecasts how your finances will evolve if your current spending pattern continues.

How it operates

• Flip individual upcoming payments on or off as your situation changes to keep projections accurate.
• Enter recurring items and single transactions; the app rolls them into a forward-looking balance estimate.
• Update your current balance anytime to refresh future estimates without rebuilding your plan.

Key advantages

• Saves time: calculations are automated so you don’t have to run manual estimates.
• Simple maintenance: minimal effort required to keep forecasts up to date.
• Forward visibility: see your balance months or years ahead to aid decision-making.

Helpful scenarios

• Job transitions: model the financial impact of leaving or starting work to understand short- and long-term effects.
• Debt management: plan repayments and check how changes reduce balance pressure over time.
• Life changes: quickly test “what if” situations (moving, reduced hours, extra expenses) to know where you’ll stand.

Other options to consider

• Minecraft — Java & Bedrock Edition (paid)
• A custom spreadsheet template for cashflow modelling