Total Cashflow HD

* Follow @MyCashflowApp on Twitter!

Total Cashflow HD helps you forecast future balances of your bank accounts. Its simple to set up and requires minimal effort to maintain.

Tell it about your recurring transactions (including transfers between accounts) and future one-time transactions, and let it estimate your account balances months (or years) into the future.

Its not interested in the past, so theres no need to enter or maintain your transaction history.

It shows your account transactions and balances over time and lets you override individual payment dates and amounts. Quickly toggle payments on and off to see how they impact your future balances. The graph updates immediately with any changes you make.

Update the starting balance occasionally, and itll show you which transactions are still due. If any have already occurred (or are late) just tap to toggle them on or off.

FEATURES

- iCloud sync Automatically synchronizes your data between your iPhone, iPad or iPod Touch (see note below).
- Multiple accounts Add multiple accounts and set up recurring or manual transfers between them.
- Recurring transactions Supports recurring transactions with start date, end date (optional) and many recurrence options.
- Warning balance Set a warning balance for an account and see at a glance when your balance is below it.
- Interactive forecast graph Shows your future balance over time, highlighting warning balance and negative regions; tap the graph for a closer look at the nearby transactions.
- Reports Create PDF or XML reports and send them by email or to your Dropbox account.
- Backup and restore your data with Dropbox or iTunes.

MANY USES

* Planning Future Purchases

This is a great tool for forecasting payments for a future loan, mortgage or car lease. Create a recurring transaction for the payment amount, fill in the first and last payment dates and see how it affects your balance. Make adjustments to figure out what you can afford.

* Planning for Change

You might have a recurring bill that increases annually (such as health insurance). Simply create another recurring transaction to represent the increased payment and set its start date appropriately, and adjust the end date of the original transaction. Youll immediately see how it affects your finances in the future.

* Planning for Uncertainty

The forecasts are only as accurate as you need them to be. If you plan to pay a minimum amount per month onto your credit card, set that up as a recurring transaction. Once you decide how much you want to pay this month, just override the forecast amount. You can always edit or delete the override later.

* Getting Out of Debt

This app can help you get out of debt, and figure out how long it will take. Enter a recurring transaction between your checking / current and loan / credit account for the minimum amount you intend to pay each month. Extend the forecast period (tap "More" at the bottom of the Forecast page) and then look at the Balance Graphs for your accounts. If you can afford to pay extra in a few months, override that months payment (or create a one-time transaction for the additional amount). Youll instantly see the effect on your checking / current balance, loan balance and when the loan will be repaid.

NOTE - iCLOUD

When you enable iCloud sync, a separate data store is used to synchronize with the cloud. You can switch between the two data stores with the "Use iCloud" switch on the Settings panel (or Settings tab on iPhone / iPod). To migrate your existing data to iCloud, first export it to iTunes or Dropbox (on the Sync panel/tab), enable "Use iCloud" and then re-import the data back from iTunes/Dropbox. When you enable iCloud for other devices, your data will appear and synchronize automatically when you have an internet connection. It can take several seconds for changes made on one device to synchronize to others.