Frequently asked questions

Cashflow is a check register and account ledger for iOS and Android. You enter your transactions, mark them cleared as they post, and Cashflow tracks three balances at all times: current, cleared, and ending. It’s designed for people who want to know what they have, what’s pending, and what they’ll have once everything goes through — without handing their bank credentials to a third party.

Disabled scheduled transactions are hidden from the default list. Open Scheduled Transactions, scroll to the bottom, and tap Inactive to reveal them. From there you can edit any field, re-enable the schedule, or delete it outright.

More on how schedules work in the Scheduled Transactions guide.

Pick the closest base unit, then set the multiplier. To repeat every four weeks, choose Weekly and set Every 4. The same pattern works for “every 2 months,” “every 6 weeks,” and similar cadences — the multiplier field accepts any whole number.

See the Scheduled Transactions guide for the full set of frequency options.

Cashflow runs on iOS (iPhone and iPad) and Android. You can download it from the App Store or Google Play. See the Download page for direct links to both versions on both stores.

There is no web app or desktop app at this time.

Your data lives on your device, in a local database. Under normal use, Cashflow does not send your transactions, balances, or account details to us or to anyone else.

The one exception is Cloud Backup — an optional feature you turn on by signing in with a Cashflow account. When it’s on, the app uploads a copy of your data to our servers so you can restore it later. That copy is end-to-end encrypted with a key locked by a backup password only you know. We never receive that password, so under normal operation we cannot read your backups — even though they live on our infrastructure. (The honest caveat: because the encrypted backup and the locked key are stored on our infrastructure, someone with administrative access could attempt to unlock the key by guessing your backup password, which is why a strong, non-reused password matters — see Cloud Backup.)

If you turn on Dropbox backups, a copy of your backup file lives in your own Dropbox account under your control. See the Cloud Backup page and the Privacy Policy for the full details.

No. Cashflow does not connect to banks, brokerages, or any other financial institution. You enter transactions yourself, the same way you would in a paper register.

This is intentional. Bank-linking apps require you to share your credentials with a third party, and those connections break often. Cashflow trades that convenience for full control over what’s in your register.

Yes. Open Settings → Display and toggle which of the three balances appear on the account list. A common setup is to show Current and Ending and hide Cleared until you sit down to reconcile, then turn it back on for that session.

Open Settings → Backup and tap Back up now. The app writes a single local file on your device containing all your accounts, transactions, scheduled items, and settings. If you’re signed in to Dropbox and the Store in Dropbox toggle is on, a copy is also sent to your Dropbox account. See Where are my backups stored? for the details.

We recommend doing a backup before any change you’re not sure about, and keeping a recent Dropbox backup so a lost phone doesn’t take your data with it. Full details are in the Backup & Restore guide.

Backups are saved as a local file on your device. If you’re signed in to Dropbox in Settings → Backup and the Store in Dropbox toggle is on, a copy is also sent to your Dropbox account.

If you turn on Cloud Backup by signing in with a Cashflow account, an end-to-end-encrypted copy is also kept on our servers, locked by a backup password only you know (we never receive that password, so we cannot read it). To restore on a brand-new phone you sign in with the same account and enter your backup password — see Cloud Backup.

On Android, local backups are scoped to the app — uninstalling Cashflow removes them. If you only keep local copies, sign in to Dropbox before you reinstall or migrate to a new phone, otherwise the backup goes with the app.

Not today — you trigger backups manually from Settings → Backup. Scheduled automatic backup is on the roadmap but isn’t shipped yet.

Until it lands, we recommend running a backup after any session where you’ve added or reconciled a lot of transactions, and keeping at least one Dropbox-stored copy so a lost or wiped phone doesn’t take the file with it.

On the old phone, open Settings → Backup and tap Back up now. You have three ways to carry the backup over:

• Cloud Backup — if you turned on Cloud Backup by signing in with a Cashflow account, your end-to-end-encrypted backup is already in the cloud. Install Cashflow on the new phone, sign in with the same account, and restore. Because the backup is encrypted, the new phone also needs to unlock the key: enter your backup password — the one you set when you turned Cloud Backup on. (On a same-platform new phone set up through your platform account, the unlocked key may already be present and restore is silent.) See Cloud Backup.
• Dropbox — if you’re signed in to Dropbox with the Store in Dropbox toggle on, your backup is already in your Dropbox account. Install Cashflow on the new phone, sign in to the same Dropbox account in Settings → Backup, then tap Restore and pick the backup.
• Local file — share the backup file off the old phone using AirDrop, email, or any file-sharing app. Install Cashflow on the new phone, open Settings → Backup → Restore, and point the file picker at the file you transferred.

Any of these gets your data loaded in and you’re back where you left off.

On Android, local backups are scoped to the app, so uninstalling Cashflow deletes any local backup files. If you only keep local copies, transfer the file off the old phone (or turn on Dropbox or Cloud Backup) before you uninstall — see Where are my backups stored?.

Cross-platform moves (iOS to Android or back) work through Cloud Backup: restore on the new platform by entering your backup password. The local-file and Dropbox options carry the same backup format across platforms as well.

Both versions are the same app, with the same features — accounts, transactions, the three balance types, scheduled transactions, and backups. There are no paid-only features; free and paid are at full feature parity.

The only difference is ads. The free version is ad-supported. The paid version is a one-time purchase (on Google Play, Android only) that permanently removes the ads.

You never lose access to anything by staying on the free version, and you’re never required to upgrade. If you do, your existing data carries over.

Two reasons: to remove ads for good, and to support the project.

Cashflow is built and maintained by a small, independent team. The one-time paid version (Android) is a way to back that work directly instead of through ads — think of it as a supporter tier. It buys permanent ad removal and nothing else, and no one should feel they have to pay it. The free version is complete.

We’re also working toward optional cloud features down the road, like syncing your data across devices. Those will be a separate, recurring subscription when they arrive, because they cost something to run every month. The one-time paid version will always stay exactly what it is today: a way to remove ads and support the app.

The free and paid versions are separate apps on the store. Buying the paid app does not remove ads from the free app — they live side by side.

If you want a clean switch:

1. Make a backup in the free app (Settings → Backup).
2. Install the paid app.
3. Open it and restore from the backup.
4. Once you’ve confirmed everything is in the paid app, uninstall the free app.

If you bought the paid app and it still shows ads, contact support with your purchase receipt and we’ll help.

A few things to try, in order:

1. Force-quit and reopen. The first restart fixes most launch crashes.
2. Update the app. Check the App Store or Google Play for a newer version.
3. Restart your phone. Clears any stuck state outside the app.
4. Reinstall the app. This deletes local data, so do this only if you have a recent backup you can restore from.

If none of that works, contact support and tell us your platform, app version, and what you were doing when the crash started.

Open Cashflow on your device and go to Settings → Send Feedback. Pick the type that fits — Bug Report, Feature Request, General Feedback, or Feature Vote — and fill in your message. The Send Feedback flow captures app version, platform, and recent-activity context so we can diagnose faster than an outside-the-app conversation.

We aim to reply within one to three business days.