Features built for how you actually manage money

No gimmicks. Just thoughtful tools designed for people who take their finances seriously.

Spreadsheet Interface

All your transactions. No pagination.

Most finance apps show you 50 or 100 transactions at a time. Want to check something from last year? Click "Next Page" a dozen times and wait for each load.

Cashflow loads all your transactions at once and displays them in a fast, scrollable grid. Jump to any date instantly. Sort, filter, and edit without waiting.

  • Handles thousands of transactions smoothly
  • Inline editing—click a cell and type
  • Keyboard navigation like you'd expect
  • Import via CSV from any bank
Date
Description
Category
Amount
Jan 15
Whole Foods Market
Groceries
-$127.43
Jan 14
Shell Gas Station
Auto
-$45.00
Jan 13
Direct Deposit - Payroll
Income
+$2,450.00
Jan 12
Netflix
Entertainment
-$15.99
Jan 11
Amazon.com
Shopping
-$34.99
Scroll through years of data—no page loads
Groceries: Monthly Spending
Oct
$487
Nov
$672
Dec
$748
Jan
$412
3-month trend $580/mo average

November and December were elevated (holidays). January is back to normal.

Smart Trends

See through the monthly noise

Did your grocery spending go up this month, or did you just stock up before a party? Raw monthly totals don't tell the whole story.

Cashflow shows you smoothed trends that separate real changes from one-time spikes. See your actual spending trajectory, not just noisy month-to-month swings.

  • Moving averages smooth out anomalies
  • Identify real spending increases early
  • Compare categories over time
True Cashflow

Credit cards, handled correctly

When you buy coffee with a credit card, your cash doesn't change—not until you pay the bill. But most apps count it as an immediate expense, throwing off your actual cash position.

If you pay your cards in full each month, you need accurate cashflow to know how much to keep in checking versus moving to higher-yield savings. Cashflow tracks when money actually moves between your accounts.

  • See true cash position at any point in time
  • Plan credit card payments confidently
  • Know exactly how much to keep liquid
  • Maximize returns on idle cash
Other Apps Misleading
Jan 5: Coffee purchase -$5.00 cash
Cash didn't actually change yet!
Cashflow Accurate
Jan 5: Coffee purchase Credit card
Jan 25: Card payment -$5.00 cash
Cash impact tracked when payment clears

Plus everything else you'd expect

Multiple Accounts

Track checking, savings, credit cards, and cash accounts all in one place.

Custom Categories

Create your own category hierarchy that matches how you think about spending.

Automatic Rules

Set up rules to automatically categorize recurring transactions.

CSV Import

Import transactions from any bank that exports CSV files.

Payment Reminders

Never miss a bill with customizable payment reminders.

Secure & Private

Your financial data is encrypted and never shared with third parties.

Ready to try a better approach?

Cashflow is currently in private beta. Contact us to request access.