Three balance types, all of the time
Current, cleared, and ending — the same trio you used in a paper register, surfaced everywhere you need them, right-aligned in a true tabular column so a penny is never clipped.
Android today — iOS coming soon
Your check register, modernized.
Cashflow is an easy-to-use check register and account ledger that lets you track and project your personal finances — on your device, under your control. Current, Cleared, and Ending on every account, precise to the cent.
- 1Current — every transaction you've entered, settled or not. What the ledger says you have.
- 2Cleared — only the transactions the bank has actually processed. What's truly confirmed.
- 3Ending — Current plus everything scheduled ahead. Where you're headed if nothing changes.
Why Cashflow
Built for people who actually balance the book
Three things make Cashflow worth your time.
Local-first by default
Your transactions live on your device. No bank linking, no server-side anything, no surprises. Optional cloud backup is end-to-end encrypted before it ever leaves your phone.
Scheduled transactions that respect your judgment
Edit one occurrence or the whole series. Skip an instance without breaking the rest. Everything coming is always reflected in your Ending balance. The way it should work.
The three-balance register
A paper register tracks three balances. So does Cashflow.
In a reconciled account, Current, Cleared, and Ending hold the same figure — Cash Wallet at $178.00, Everyday Checking at $6,907.22, Emergency Savings at $10,518.33 — and Cashflow shows it plainly, never rounding, never hiding a penny.
When a scheduled deposit or an uncleared check is in flight, the three balances tell you exactly what is real now versus what is still coming. Across the portfolio that's $18,143.33, with every amount in a true tabular column so it can't width-shift and can't be clipped.
- CLEARED and RECONCILED chips mark exactly which rows the bank has confirmed.
- The running-balance column carries the figure down to the cent on every line — 5,700.00 → 4,050.00 → 3,931.58 → 3,843.97 → 3,839.22.
- Cashflow never pretends a projection is a fact — you see the difference at a glance.
Scheduled transactions
Recurring entries that respect your judgment.
Rent, paychecks, subscriptions — set them once and Cashflow projects them into your Ending balance. But real life isn't a loop.
- Edit one occurrence or the whole series. Bump a single payment without rewriting the rule.
- Skip an instance — the month you double up or pause — without breaking the rest of the schedule.
- Always reflected in Ending, so what's coming is never a surprise.
Local-first by default
Your transactions never leave your device by default.
No bank linking
Cashflow never connects to your bank or pulls your transactions. You enter what matters; nothing is scraped.
No account to create
No sign-up, no email, no password to forget. Install the app and start your register immediately.
No ads in Paid
The Free version is ad-supported; Paid removes ads entirely and supports continued development. No tracking either way.
Optional cloud backup is end-to-end encrypted.
Your data is scrambled on your phone before it's uploaded, so the backup server only ever holds a copy it cannot read. It can restore your ledger onto a new phone; there is no live cross-device sign-in.
Only you hold the key — if you lose your backup password, we can't recover it for you.
Latest release
Here's what shipped most recently
v4.0.18 — Large-font readability & cross-account Quick Add Latest
Get Cashflow
Start your register in under a minute.
Free on Google Play today, ad-supported. Paid removes ads and supports continued development. Android today — iOS coming soon. No waitlist, no email capture.