Freeboard — Cash Flow

Most budgeting apps tell you where your money went. This one tells you where it is going. You enter what comes in and what goes out — salary, rent, loan instalments, the tax bill in November — and the app projects your balance month by month. Not an average. The actual closing balance for each month, with the reason it turns out that way. WHAT IT ANSWERS • How much can I spend today without breaking the month? Your safe-to-spend figure takes every payment still due this month and your buffer out of the balance you see in the bank. • Which month breaks, and why? The cash flow map shows twelve months at once. The app names the month, names the expenses that caused it, and says how far below zero it goes. • The month closes fine — but do I stay in the black all the way through it? Money doesn't arrive evenly. Rent leaves on the 5th, salary arrives on the 15th. The day-by-day view catches…