Money calendar
See tomorrow's
balance today.
Your money already has dates. Now it has a calendar.
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.
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.
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
Red— the projected balance goes below zero
−$10
on the 27th — fifteen days
before you would have noticed.
What if?
What if I buy it?
Test a purchase against the whole timeline — before you spend anything.
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.
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.
On your Home Screen
The calendar comes to
the Home Screen.
Four widgets — today's plan, your balance, the weeks around today, and the whole month. Each has its own settings, and tapping a day opens the app right there.
One rule we kept on purpose: while you test a purchase in “What if?”, widgets don't move. The Home Screen only ever shows what's real — and a widget reads a snapshot on your device, never the network.
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.