Empower (Personal Capital)
Free, and qualifiesAn account-aggregating dashboard for net worth, budgeting, retirement and portfolio planning
YodleeFree tier
Browse / Forecast, not record
Forecast, not record
Future balances, not last month's. 23 of 89 apps qualify.
Budgeting apps mostly tell you what happened. Cash-flow forecasting tells you what the balance will be on the 28th if the bills land as scheduled. It is a different product, and the sheet this index grew from had no column for it, which is why 66 of 89 listings are still Unknown here. The 23 that say Yes were checked against the vendor's own pages.
Cash-flow forecasting: YesSorted by price23 results
FreeBudget is a free, simple budgeting app that tracks your spending, builds your budget, and monitors your net worth.
PlaidFree tier
Private offline net worth tracker for iPhone. No bank login, no account, no ads.
Free tier
Quicken and Simplifi import with zero-based budgeting, bank sync via three aggregators, and shared household access.
PlaidYodleeMX
A zero-based budgeting app: plan every dollar, share one budget with your household, and sync banks through Plaid, SimpleFIN or Lunch Flow.
PlaidSimpleFIN
Private zero-based budgeting with no bank sync — plan by paycheck, review scanned receipts, and track prices you actually pay.
A finance app paired with personalized habit training, with optional bank sync
PlaidMXFinicityFree tier
A complete budgeting app with forecast, multiple budgeting styles, goals, debt payoff BNPL plans, and scenarios, with a day-by-day forecast.
Envelope budgeting with credit-card payment pools, bank sync, and one-click YNAB import
PlaidSimpleFINGoCardless
Free nonprofit budgeting app: one weekly allowance instead of categories, plus a 2-year cash-flow forecast. Transactions are entered manually.
Free tier
All in one personal financial dashboard self hosted, Windows only, lifetime license.
Envelope budgeting built for ADHD brains. Rules sort your transactions and paychecks fill your slices, so the budget runs without daily upkeep.
PlaidSimpleFIN
Budgeting around what is safe to spend after bills, goals and savings are set aside
PlaidFinicitySalt Edge
Your Money, Nobody's Business
Budgeting, net-worth tracking and financial planning in one app, with no ads and no data sales
Free tier
An AI financial advisor that tracks spending, investments and net worth from connected accounts
Plaid
Connects your banks, rollover budgeting, investment tracking, shared with a partner.
PlaidData held by BigBooksFree tier
US mobile app pairing budgeting and account tracking with banking, automated saving, investing and an AI assistant.
Plaid
Canadian budgeting, net worth and retirement planning app with CPP/OAS projections and Flinks/Plaid bank connections
PlaidFlinks
23 apps, 5 free — compare side by side · 66 apps are Unknown on cash-flow forecasting. Do you know one?
Built from the same records as the matrix. A need is a question with a real answer, not a filter preset: each of these pages is one attribute the records actually carry.
Other needs
We share moneyJoint budgets, two logins, an adviser seat42 appsInvestments come firstHoldings, transactions and performance, not just balances51 appsI'm outside the USLocal banks, local currency44 appsI want to own my dataExport, self-host, a named custodian57 appsJust a budget, nothing elseEnvelopes and rollover, no dashboard27 appsFree to useA real free tier, not a trial52 appsI have a business or a side hustleBusiness or rental money kept apart from personal10 appsI'm working on my creditA credit score tracked next to the accounts14 appsKill my subscriptionsCancelled for you, not just found5 appsGet out of debtPayoff planning next to the accounts it draws on14 appsSaving for somethingA goal with a date and a number, next to the accounts47 apps