planwithzen
Record what comes in
Take-home pay and any other income you expect, with how often it arrives.
A cash flow tracker for iPhone See where your money
See where your money
actually goes.
Money in, money out, and what is left over — the whole month in one view. Record what you earn and what you spend, and planwithzen works out the difference as the month unfolds.
Coming soon on theApp Store
Explore Cash Flow Features Self-directed financial planning tools for educational purposes only. Not financial, investment, tax, or legal advice.
Money in and money outBoth sides of the month in one place, with what remains between them.
Expenses where they fallA quarterly bill lands in the month it is paid, not spread across months it is not.
Nothing to reconcileWhat you record is what the month shows. No categories to balance, no statements to match.
How cash flow works
Three figures, and the one between them.
Cash flow is the simplest question in personal finance and the hardest to answer from statements: did more come in this month than went out?
Record what goes out
Bills, everyday spending, savings and debt payments, each in the month it is due.
Read what remains
Money in, money out, and what is left over, updated as the month goes on.
Cash flow features
The month, as it actually is.
What comes in
- Take-home pay, with the frequency it arrives on.
- Weekly, fortnightly, twice a month, monthly and more.
- Irregular income recorded as it happens.
What goes out
- Bills, everyday spending, savings and debt payments.
- 22 built-in categories, plus your own.
- Recurring charges found from connected accounts. Momentum
In the right month
- A quarterly bill lands in the month it is paid.
- Not averaged across months it is not due in.
- So a heavy month looks like a heavy month.
Over time
- What you planned beside what you spent. Momentum
- Six months of history behind the figures. Momentum
- How steady your income has been. Momentum
Simple pricing
Start free. Build Momentum when you’re ready.
Free gives you a complete financial picture and practical plans. Momentum helps you keep those plans current and see how they change over time.
Free
$0
Understand where you stand and build your first plans.
- Track income, expenses, assets, and debts manually.
- Build a budget for this month and next month.
- Create a highest-interest-rate-first consumer debt plan.
- Manage two financial goals.
- View net worth, financial health, and accessible-savings coverage.
- Add four custom categories.
Coming soon on theApp Store
No subscription or bank connection required.
Momentum
$9.99 / month
Work your plans month after month and watch your progress.
- Everything in Free
- Connect eligible financial accounts through Plaid.
- Compare three consumer-debt payoff approaches.
- Build a mortgage-payoff plan.
- Manage up to ten goals and custom categories.
- View six months of financial history and deeper analysis.
Coming soon on theApp Store
Renews monthly until canceled. Manage or cancel through Apple ID settings.
Compare Free and Momentum features
| Capability | Free | Momentum |
|---|---|---|
| Manual financial tracking | ✓ | ✓ |
| Plaid account connections | — | ✓ |
| Monthly budget | 2 months | 6 months |
| Actual-versus-budget comparison | — | ✓ |
| Consumer debt payoff approaches | Highest interest first | 3 approaches |
| Mortgage-payoff plan | — | ✓ |
| Active financial goals | 2 | 10 |
| Custom categories | 4 | 10 |
| Current net worth and health score | ✓ | ✓ |
| Financial history | — | 6 months |
Cash flow questions, clearly answered
What to know about the month
What is monthly cash flow?
The money coming in during a month, less the money going out. A positive figure means more came in than went out; a negative one means spending exceeded income.
How is cash flow different from a budget?
A budget is the plan you make before the month. Cash flow is what the month actually did. planwithzen shows them together, so the plan and the result sit side by side rather than in different places.
Do I need to connect my bank accounts?
No. Everything works on figures you enter yourself. Connecting eligible accounts through Plaid is a Momentum feature that reduces manual updating; it is optional and read-only.
What expenses should I include?
Recurring bills and everyday spending both, each in the month it is actually due. A bill paid quarterly belongs in the month it is paid rather than averaged across the three.
What does income stability mean?
How consistent your income looks across the history available. It is an educational view of what has been recorded, not a prediction or guarantee of future income.
Can I track cash flow for free?
Yes. Recording income and expenses, and seeing money in, money out and what is left over, are included with Free. Momentum adds planned-against-actual comparison, connected accounts, and six months of history.
Is my financial information secure?
planwithzen uses safeguards designed to protect the financial information it handles, including encryption for stored information and encrypted transmission between the app and supporting services.
Plaid handles connections to eligible financial institutions. planwithzen does not receive or store the login credentials you use with those institutions.
Related planning tools
Cash flow is part of your budget.
Coming to iPhone
See the month as it actually is.
Record what comes in and what goes out, read what remains, and keep it connected to your budget, payoff plans, goals and net worth.
Coming soon on theApp Store