The month
Every day already has a balance.
Paychecks, bills and plans on their dates — and the day the money gets tight, in red, weeks ahead.
Money calendar
See tomorrow's
balance today.
Your money already has dates. Now it has a calendar.
Download
Free to use · Cross-device sync is a subscription
JayCK Flow is a money calendar. Put your income, bills and plans on a timeline — and know your future balance before you decide.
How JayCK Flow works, in five screens
What if?
Test the purchase before the money leaves.
Add it. Every day after re-colours. Keep it or let it go — nothing is saved until you say so.
The horizon
Every month has its lowest day. Now you know which.
Six months ahead, each month's low point named — while it is still a decision, not a surprise.
Home Screen
The calendar meets you on the Home Screen.
Today's plan, your balance and the weeks around today — without opening the app.
Yours
No bank login. Works offline. Yours.
Local by default. Sync, when you turn it on, is end-to-end encrypted with a passphrase we cannot read.
DownloadFree
Most apps look back. JayCK Flow looks ahead.
The question each kind of app answers
Budget trackers ask
“Where did my
money go?”
JayCK Flow answers
“What will my money
look like tomorrow?”
How it works
Your money already has dates.
Now it has a calendar.
Put money on the timeline
Paychecks, rent, subscriptions and one-off plans — each on the day it actually happens. Every day after carries the running total forward, so the number on any square is your projected balance for that day.
Aug 1Paycheck
+$2,400$2,580
Aug 3Rent
−$1,150$1,430
Aug 5Utilities
−$120$1,310
Running balance, carried forward
Lowest point
See the day your
money gets tight.
Weeks in advance — while it is still a decision, not a surprise.
Green— on track
Amber— something that day is still unticked
Red— the projected balance falls below zero, or below what you have set aside
−$299 Headphones on the 18th
Lowest point this month
−$10 on the 27th
Change
—
Every day after the 18th re-colours. Nothing is saved until you say so.
You don't have five balances. You have one you can spend.
Checking
Savings
Credit card
Cash
What can I actually spend?
Aggregators show you every account and still leave the real question open.
Credit cards
The day it leaves. Not the day you buy it.
Aug 5
−$300
Card purchase. Your balance does not move.
Aug 28
−$300
Card payment. This is the day the money is gone.
A card purchase on the 5th that you pay off on the 28th lands on the 28th — because that's when the money actually goes.
Cards and savings are outflows, not ledgers.
Card payment — one line on the timeline
Savings transfer — one line on the timeline
Nothing to reconcile, nothing to keep in sync. One account, one timeline.
Income belongs on the timeline too
Money you're owed is
part of the forecast.
A bill you forget to tick
makes the forecast pessimistic —
you have more than it says.
A payment that never arrives
does the opposite — the forecast
promises money you don't have.
So income is watched the same way bills are. And anything paid by someone else stays in your history but out of the forecast — the number you see is the number you have.
A limit we chose
The moment an app starts asking what's on each card, it stops answering the only question that matters.
We chose this limit — and we intend to keep it.
Private by design
Your financial timeline
belongs to you.
Manual control, always.
No bank connection. No account needed to start.
No ads, no tracking, no selling data.
Your data stays on your device — encrypted first if you sync.
Optional encrypted sync across devices — a paid subscription.
