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Cashflower: Budget Planner
Zero-based budgeting: give every unit of money a job, then track whether it did it.
About Cashflower: Budget Planner
Cashflower is built around zero-based budgeting: every unit of money you earn gets assigned a purpose before you spend it. Instead of wondering where your money went, you decide in advance where it goes.
It handles monthly budgets, custom categories, recurring transactions, multiple accounts and savings goals — for individuals, couples and families.
Screenshots
Key features
- Zero-based budget planningAllocate all available money across categories and priorities each month, so nothing is unaccounted for.
- Expense and income trackingRecord transactions quickly and monitor daily spending against the plan.
- Custom categoriesGroceries, rent, transport, dining, entertainment, utilities, savings, education — or whatever your life actually looks like.
- Savings goalsSet targets for an emergency fund, a holiday, a home or a large purchase, and watch progress accumulate.
- Spending insightsClear summaries and reports that surface trends rather than just listing transactions.
- Multiple accountsManage several financial accounts in one place for a complete picture.
- Recurring transactionsSet up predictable income and expenses once so each month starts mostly filled in.
- Mid-month adjustmentsMove funds between categories when priorities change, without breaking the budget.
Who it's for
- First-time budgeters
- Couples and families budgeting together
- Anyone trying zero-based budgeting
- People building an emergency fund or savings target
Built with
- Flutter
- Dart
- Local database
- Firebase
Want an app built on this stack? See how I work or get in touch.
Frequently asked questions
What is zero-based budgeting?
It is a method where you assign every unit of income a specific job — a category, a bill or a savings goal — until nothing is left unassigned. It replaces guessing with a plan you can check against.
Can I use it with a partner?
Yes. Cashflower is designed for individuals, couples and families managing shared categories.
Can I change the budget mid-month?
Yes. You can move funds between categories whenever priorities change — adjusting the plan is part of the method, not a failure of it.
Does it support recurring bills?
Yes, recurring income and expenses can be set up once so future months are largely pre-filled.
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I build this kind of product end to end — design, Flutter development, Firebase backend, Play Store submission and ongoing maintenance.