TinyCashflow

how i use this my company

how much it seure my data tell me

I spent the last two years building the money app I always wished existed. Every budgeting app wanted me to sort each coffee into a category, then made me feel guilty the moment I stopped. What I actually wanted was simpler: one honest running balance that tells me whether I will be okay next month. So I built TinyCashflow as a spreadsheet-style money manager where everything lives on one timeline. Recurring bills and income project themselves forward, and you can see your balance on any future date, across multiple accounts and currencies. No bank connection, works fully offline, and your data stays yours. It just launched on every platform, and I would love your honest feedback, especially on the onboarding.

This is a really refreshing approach to personal finance. I like the idea of focusing on one clear running balance instead of making people manage endless categories. The offline-first approach is also a big plus, especially for privacy. Curious how the onboarding experience has been for people who are used to traditional budgeting apps?

This is really helpful keeping all money related details on one place, i would use it in my finance management

Must try this tool, helpful, Cool

projected balance on any future date is the feature every budgeting app should have but almost none do. knowing what already happened is useless compared to knowing if you'll be short next week. the no bank connection approach is a smart trust play too

The forward-looking running balance is the part most budgeting apps miss — they're great at telling you what you already spent and useless at "will I be short on the 28th." Two questions on the recurring engine: for bills that vary (utilities, variable-rate stuff), does a recurring item use the last amount, a rolling average, or a manual estimate? And can you drop a hypothetical one-off on the timeline — say a big purchase — to preview the dip without saving it, then discard? The no-bank-connection, offline stance is a genuine selling point; not everyone wants to hand Plaid their logins just to see a balance projection.

A single-timeline money manager is easier to stick with than multi-account dashboards. Curious whether recurring forecasts and cash runway projections are first-class, or still spreadsheet-export territory.

Projecting a balance forward is the part most budgeting apps skip. They tell you what you already spent, which is the least actionable version of the information. Offline-first also fits the use case, since you'd want to check this standing in a shop, not at a desk.

Clean, straightforward way to track money without overcomplicating it. Exactly what small teams need.

Projected balance on a future date instead of just current balance is the feature most budget apps skip, and it's the one that actually answers "can I afford this." Offline-first with no bank connection is a good call too, a lot of people don't want to hand over read access to their whole account just to see a chart.

Love how detailed it looks and feels.

Looking for something like this, but missing bank sync makes it a no-go for me

TinyCashflow Your product has strong potential, but I found a few key improvements that could make it even better. I'd love to share my feedback and suggestions—please contact me at [email protected].

The projected balance on any future date is the bit I'd actually use in TinyCashflow, since most budget apps only tell you what already happened. Skipping bank connections and keeping it offline also means no broken sync to babysit. How do you handle multi-currency balances on the timeline when rates move, do you convert at today's rate or at the date of each item? No category cages sounds like a deliberate choice.

TinyCashflow must be the kind of budgeting tool I would actually keep using because the timeline approach feels straightforward. I once built a basic spreadsheet to track rent, subscriptions, and upcoming travel expenses, and seeing the future balance was much more helpful than reviewing old transactions. I also keep banking support pages bookmarked, including https://td-canada-trust.pissedconsumer.com/customer-service.html , so everything financial is easy to find when needed. The offline option is another feature I appreciate, especially for privacy. Having recurring bills appear automatically could save plenty of manual work while still giving users complete control over their own financial planning.