Finally, a cash flow app your brain won't fight with

Your Accounts

Each tab across the top is a bank account you've added — business, personal, savings, whatever you need. Switch between them to see that account's transactions and balance. Add as many as you like with the + Account button.

Balance Cards (Current / 30 days / 90 days)

Your current balance is calculated from your starting balance plus every transaction entered up to today. The 30 and 90 day cards show where your balance is projected to be based on upcoming and recurring transactions. A red alert means your balance is heading negative — it'll show you the exact date so you can plan ahead.

Cash Flow Forecast

A day-by-day chart of your projected cash position. The line going up is money coming in, down is money going out. Hover over any point to see the exact figure. Use the time buttons to zoom between 30 days and 1 year. If you've set a minimum balance warning, it appears as a dotted line.

Adding Income & Expenses

Use the + Income and + Expense buttons in the header. Add a description, amount, date, and account. Optionally add a category (e.g. Rent, Health, Groceries) — these feed into your Spending Analysis. On GST-registered accounts you can tick whether the amount includes GST, and it'll flow automatically into your BAS. Tick Recurring to set a repeating schedule.

Upcoming (30 days)

Everything due in the next 30 days — future-dated transactions and the next occurrence of any recurring items. The net figure at the top shows whether you're heading for a positive or negative month.

Recurring

Regular transactions on a set schedule — weekly, fortnightly, monthly, whatever repeats. These are projected forward automatically so your forecast stays accurate. Set an end date or number of payments if they don't go on forever.

Debts

Track money you owe — credit cards, loans, ATO debts, anything. Link expense transactions to a debt and the balance reduces automatically as you pay it off. Add ongoing fees (like monthly account-keeping charges) and they'll be added to the balance each period.

BAS & Tax

For GST-registered accounts, this tracks GST collected on income and GST credits on expenses, and shows your net GST owing per quarter. Add your PAYG instalment amounts here too — they'll appear in your forecast on the BAS due date. When you've lodged a quarter with the ATO, mark it as lodged to clear it. This is a guide only — caash.flow doesn't lodge anything on your behalf.

Spending Analysis

A breakdown of your actual spending by category over your chosen time period. The pie chart shows where your money has gone — not just where you planned for it to go. Categories come from the ones you add to your expense transactions.

🧮 Average Spending Calculator

For variable expenses that aren't the same amount each time — add several spending amounts, set the number of weeks they cover, and it calculates your weekly and monthly average. Hit Add as recurring expense to drop the monthly average straight into your forecast.

Pattern Alerts

If the app notices you've spent money on the same thing multiple times in the last 30 days but it's not in your recurring expenses, it'll pop up a suggestion to add it. You can add it straight away or dismiss it — totally up to you.

Settings ⚙️

Toggle any section on or off — if you don't use debts or BAS, hide those cards to keep your dashboard clean. Your data is always saved in the cloud so it's there on any device you sign in to.

Dashboard Widgets

Toggle sections on or off to customise your dashboard.

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