Product
A free budget app with no ads and nothing to sell about you
When a finance app is free and ad-supported, the product being sold is usually the spending data you just handed over. Here the model is simpler: the core is free, Pro is a one-time payment, and nobody buys anything about you.
- No ads anywhere
No banners, no interstitials, no sponsored product recommendations.
- Free core, one-time Pro
Calendar, recurring plans, reports and budget goals free forever.
- No data brokerage
Your ledger is not packaged into insights and sold; there is no bank feed to package.
- No account required
Guest mode runs entirely in your browser.
What free actually includes
- Full calendar with a daily running balance and a six-month forecast horizon.
- Unlimited transactions, categories and tags.
- Recurring plans for any cadence.
- Reports with month-over-month comparison and category alerts.
- Budget goals with progress tracking.
- CSV import and export.
- Eight languages and multi-currency support.
What Pro adds
| Feature | Free | Pro (one-time) |
|---|---|---|
| Forecast horizon | 6 months | Unlimited |
| AI financial assistant | — | Included |
| Multiple workspaces | One | Multiple |
| Email reminders and weekly digest | Basic | Full |
| Price | Free forever | Single payment |
Why no ads is a feature, not a favour
Ads in a finance app are targeted with the most sensitive data you own — income level, debt, spending patterns. That targeting is the business model, and it is why "free" apps push bank connection so hard.
With no bank feed there is no rich dataset to monetise, so the incentive to advertise never appears. The trade is that you enter your own data, and in exchange nothing about you is for sale.
Frequently asked questions
Is there a free budgeting app with no ads?
Yes. Cashflow Calendar's core is free forever, contains no advertising, and Pro is a one-time payment rather than a subscription.
How is it free if there are no ads?
Optional one-time Pro upgrades fund it. The free tier is complete rather than crippled.
Do you sell my financial data?
No. There is no bank connection and no data brokerage; your ledger stays under row-level security tied to your account.
What is the catch with the free tier?
The forecast horizon is six months instead of unlimited, and the AI assistant and multiple workspaces are Pro features. Everything else is included.
Free, and not because you are the product
No ads, no bank linking, no account needed to start.