See the month before it comes
Will you make it to payday? Know before it comes.
See your balance day by day for the next 30 days, through every bill and paycheck you have scheduled. The lowest point is marked, so nothing sneaks up on you.
- From $3 a month
- Read-only. It can’t move money.
The next 30 days, drawn from the real card with an invented family’s numbers.
It can only read your bank.
No transfers. No bill pay. The code to move money does not exist.
From $3 a month. 40 days free.
Every plan gets every feature. You pay by how many banks you connect.
Made by one Christian founder.
No ads. No selling your data. A Bible verse every morning.
See it for yourself
The rest of your month, one screen at a time.
Cash Flow shows what is coming, from 2 weeks to 12 months ahead. These four pages help you decide what to do about it.
A budget that starts with Giving.
Income, Spending, Saving and Debt sit on one page, so they always agree. Your first budget fills in from your real bills and spending. After that, each new month copies last month in one click.
- Each spending and income line shows what is spent, what is pending and what is still coming.
- Over on one line? Cover it from a line with room, right there. It moves the budget, not your money.
- Tap a spending category to see every charge behind it, and its last six months.
Every paycheck and bill, in one list.
Weekly, every two weeks, twice a month or monthly. Cash Flow draws its line from what you schedule, so keep this list full.
- See the list, or the same payments on a calendar.
- Ask it to look back 90 days for bills you have not added. You start the search, and it may not find them all.
- Bills that change, like the electric bill, stay marked as estimates.
A real month when your last debt is paid.
The app does the math on your real balances. The date moves when your balances move. It is a plan, not a promise.
- Compare four ways to pay. Smallest balance first. Highest rate first. Biggest payment for its size first. Or your own order.
- Rates and minimums come from your bank when it shares them. If it does not, you type them in.
- Save your plan. Your debt-free date follows it.
- With $150 extra a month and the Snowball order, the sample family below is debt-free in May 2030. Snowball takes 37 months and $5,498 in interest. Avalanche takes 36 months and $4,676. The Cash-Flow order takes 38 months and $6,086.
Save a little each month for the big bills.
Christmas. Car insurance. The emergency fund. Each goal has a target and a plan. Your goals show up in your budget’s Saving section.
- A goal can be a whole account, or a share of one. Two goals can share one savings account.
- A shared account shows whether its goals add up to what the bank says.
- When you reach a goal, it goes in your Trophy Case.
- It only keeps track. It never moves money. You make the transfer at your bank.
How it works
Three steps.
Nothing to download. It runs in your browser, and you can add it to your phone’s Home Screen.
Step 1: Link your bank, or type it in.
You sign in to your bank through Plaid, not through us. We can read your charges and balances. We can’t touch your money. No bank link? Manual accounts are free.
The first link brings in about the last 90 days.
Step 2: Add your paychecks and bills.
Tell it when you get paid and what repeats each month. Or ask it to look back 90 days for bills you forgot.
Cash Flow draws its line from this list.
Step 3: See the month before it comes.
Your balance for the next 30 days, with its lowest point marked. Pending charges are already counted in today’s balance. Your first budget, filled in from real spending. And a real debt-free month.
New charges show up on their own when your bank sends them.
Why “Above”
Set your mind on things above.
None of it is ours. God owns it all. We manage it for a while. A budget is just an honest way to manage well.
Debt decides for you. When money is already spoken for, you can’t say yes to the things God puts in front of you. Getting free is not about getting rich. It is about being free to give and to serve.
No shame here. Nobody opens a budget app because things are going great. Wherever your numbers sit today, they are not a verdict on you. This app will not promise you wealth, and it will not scold you.
A verse every morning
Home shows a Bible verse every day, always in full. Never “tap to read more.”
Giving comes first
Your budget’s plan starts with Giving, before bills and before spending.
Trust
What it can and can’t do with your bank.
You are trusting us with a view of your money. Here is exactly how far that view goes.
It can only read.
It sees your balances and bank charges. It cannot move money, pay a bill or send a payment. That code does not exist.
We never see your password.
You sign in to your bank through Plaid. The key it hands back is locked (encrypted) before we store it.
No ads. No selling your data.
Plans cost a few dollars a month. That is the whole business. Nobody else is the customer.
You can leave whenever.
Delete your account and everything in it yourself, from Settings. No email. No waiting. If your Spouse is on it or invited, remove them first.
What it does not do yet.
- No outside security audit yet (no SOC 2).
- No backup codes for two-factor sign-in yet.
- No download of your whole transaction history yet. Reports and the payoff schedule save as spreadsheet files (CSV).
Two-factor sign-in is your choice. Once you turn it on, the database makes sure it is used.
Married? One plan.
Both of you, same numbers.
Invite your Spouse. They get their own login and see the same budget, bills and debt-free date. You choose what they can do.
Full Edit
They can add and change anything in your account, except banks and alerts. Choosing it asks for your password.
Read Only
They can see everything and change nothing. The database blocks the change, not just the screen.
- Their own login, with two-factor sign-in.
- Only you, the Owner, add or remove banks.
- Change their access, or remove your Spouse, at any time.
HannahOwner
CalebSpouse
Two logins, one set of numbers. Drawn with an invented family’s numbers.
More ways to start
The same app, from another door.
- FaithfulBe faithful with a little.A verse each morning, a Budget Health score out of 10, and the month your last debt is paid.Read this one
- Both of youOne plan. Both of you.Invite your Spouse. Two logins, one set of numbers, nothing to text each other about.Read this one
- PaydayKnow before payday comes.Your balance for the next 30 days, bill by bill, with the lowest point marked.You are here
- CalmFrom mess to a clear plan.Every bill, bank charge and debt in one calm place. Peace about money, not promises of wealth.Read this one
“Set your mind on the things that are above, not on the things that are on the earth.”
Colossians 3:2 · where the name comes from
See your next 30 days.
Link a bank, add your paychecks and bills, and watch the line draw itself. 40 days free on every plan.
Read-only · We never see your password · Delete everything yourself