Finances Tree

Finances Tree is a cashflow forecast, not a spending tracker. * Finances Tree shows your money the way a gardener sees a sapling: what you do now decides what stands there later. Forecast every bill and payday forward, day by day, and see what's coming before it arrives. Most budgeting apps report what you already spent. Finances Tree shows you what your balance is going to be — every day between now and the end of the period. Enter your bills, income and savings once. The ledger projects them forward day by day and puts the number that actually matters at the top of the screen: the lowest point your balance will reach. A month-end total hides the week where rent lands three days before payday. A forecast doesn't. THE FORECAST Day-by-day projection. Your balance on every future date, not a single end-of-month figure. Lowest projected point. The worst dip ahead — the number that tells you whether something will bounce. Settled and projected balances side by side. What the account actually holds, and where it is heading. Recurring entries drive the forecast forward. Weekly, fortnightly or monthly, with month-end handled properly: 31 January plus one month is 28 February. Same-day ordering puts payday ahead of the bills it covers, so the forecast never shows a dip that was never going to happen. What-if entries. Test a purchase against the forecast before you commit — see the projection with and without it, then keep it or discard it. Transfers between accounts, forecast on both sides. KEEPING THE FORECAST HONEST Apply with a swipe. Record what really came out, so the drift between planned and actual stays visible and the forecast corrects itself. History keeps both the planned and the confirmed amount. Every figure is replayed from your opening balance, so nothing goes stale after an edit. PRIVATE BY DESIGN Descriptions, amounts and account names are encrypted on your device before anything is stored. The key is wrapped with one derived from your passphrase, so it never leaves your phone in a readable form. No bank connections. No scraping your accounts. No ads. One trade-off, stated plainly: if you lose both your passphrase and your recovery code, nobody can recover your data — not even us. Write the recovery code down when the app shows it to you. WORKS OFFLINE The forecast is computed on your device. No connection needed to add an entry or check where you stand.