Future balance
What a future balance is, and how a calendar shows it
Your balance today says what you have. Your future balance says what you will have on the 20th — once the rent, the paycheck and everything else you know is coming have landed.
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One number for every day
A future balance is arithmetic, not a guess: the balance you have now, plus every payment you expect, minus every bill you expect, up to the day you are asking about. JayCK Flow does that sum for each day and prints it under the date, so a month reads as a row of balances rather than a list of transactions.
The tight day, before it comes
The number the app is built around is the lowest one. The balance card names it — the lowest point ahead, and its date — and the calendar colours a day red when the balance falls below zero, or below a safety buffer you choose. You see the tight day weeks before it comes.
You tell it what is coming
There is no bank connection. You enter your balance once, then the paycheck and the bills, with their dates and how often they repeat — weekly, every two weeks, monthly. Each repeat fills the calendar forward on its own. When real life drifts from the plan, you type what is really in the account, and the forecast starts again from today.
Try a purchase first
Tap What if? and add the purchase: every day after it is redrawn with it, and nothing is saved until you tap Apply. Discard puts everything back as it was.
Private by default
Local by default, and no account to start. Sync, when you turn it on, is end-to-end encrypted with a passphrase we cannot read or recover. No bank login — the app never asks for a bank's credentials.