Product
Budget planner app: the plan, on the dates it runs
Every budget planner app tracks income and expenses. Very few attach the dates that make a budget real — when each bill is due, when each paycheck lands, and which day the balance would dip. Cashflow Calendar is built around that dated view.
- A dated budget
Planned income and bills sit on their real dates with a running balance.
- Recurring plans
Bills and paydays repeat into future months automatically.
- AI on your ledger
Ask questions in plain language across your whole transaction history.
- Free, then one-time Pro
No monthly fee — the price stops after a single payment.
What to look for in a budget planner app
- Dated transactions with a running balance — not just category totals
- Recurring items that project forward without re-entry
- A negative-balance warning before the day arrives
- Offline capability and a privacy-friendly model with no bank feed
Why dating beats categorising
Categories answer "where did it go?" Dates answer "can I pay this when it is due?" Both matter, but only the second prevents overdrafts. A planner that dates every item turns a budget from a report into a forecast.
Frequently asked questions
Is there a free budget planner app?
Yes. Cashflow Calendar's calendar, recurring plans and reports are free forever, and Pro is a one-time payment.
Does it work without a bank connection?
Yes — manual entry and CSV import are the designed path, and guest mode works offline.
What makes it different from YNAB?
YNAB is a zero-based monthly system; this app is calendar-first, so timing gaps are visible and recurring items project forward.
The planner that knows the date
Free core, one-time Pro, no subscription.