Zero-based budgeting: give every unit of money a job, then track whether it did it.
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.
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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.
Yes. Cashflower is designed for individuals, couples and families managing shared categories.
Yes. You can move funds between categories whenever priorities change — adjusting the plan is part of the method, not a failure of it.
Yes, recurring income and expenses can be set up once so future months are largely pre-filled.
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