Simple Financials
Look forward, not backward. Plan upcoming paychecks, split annual bills, and discover what is truly safe to spend.
Free
· iPhone Exclusive
Look forward, not backward. Plan upcoming paychecks, split annual bills, and discover what is truly safe to spend.
Simple Financials does not connect to bank APIs. It acts as an active calculator that projects your balance forward.
The traditional personal finance landscape is built on anxiety. Popular budgeting applications connect to your bank accounts, download your historical transaction logs, and tell you that you spent too much last month. This backwards-looking model does not help you make daily decisions.
Simple Financials operates on a fundamentally different premise: looking forward, not backward. It answers a single question: "Can I spend this money right now without falling short on rent or car payments three weeks from today?" The app projects your deposit schedules against liabilities to find your true Safe-to-Spend balance.
Hourly shift workers face variance. A bank holiday, sick days, or missed shifts directly impact cash flow.
Simple Financials allows you to easily override individual paycheck amounts on the calendar, immediately recalculating your forward cash projections.
Annual bills cause unexpected monthly drops. Input the due dates, and Simple Financials divides and factors them into monthly targets.
By subtracting the monthly portion today, the app acts as a digital escrow, securing your future liabilities.
Enter auto loans, student loans, or personal debts with their remaining payment counts. Simple Financials drops them from your budget projections automatically when paid.
All budget data inside Simple Financials is entered manually and stored locally on your device. It never leaves your iPhone, never syncs to remote servers, and is never compiled into marketing profiles. Manual entry creates a positive behavioral feedback loop, promoting active mindfulness around your cash flow.
Simple Financials does not connect to Plaid, bank accounts, or external cloud networks. All financial projections, paychecks, and loan details are stored locally on your device's filesystem. Your budget is nobody else's business.
Free on the App Store. Reclaim your financial peace of mind today.
Supports Family Sharing · © 2024–2025 Joshua Armer · Finance