What it does
Cashculator is a Mac app for planning personal income, expenses and future cash balances in spreadsheet-style tables. Its free version has no time limit and supports five income and five expense categories. More categories are available through a subscription or a lifetime purchase.
Make one scenario for the current household plan and duplicate it for a change such as reduced working hours or a large purchase. Each scenario keeps its own assumptions, so switching between them shows how the change affects the forecast without overwriting the starting plan.
In the Income or Expenses table, select the category and week or month you want to enter. Choose Plan, press Return and add the expected amount. A recurring plan can have a repeat interval and end date. Later, record what actually happened in Actual view; Both displays the two amounts together.
Set the starting total on Reconcile using the combined balance of your bank accounts and cash. The Horizon control changes how far the tables look ahead. Combined view uses actual past amounts and planned or actual future amounts to build the balance forecast.
| Access | US App Store price | Category allowance |
|---|---|---|
| Free | $0 | Five income and five expense categories |
| Monthly | $6.99 per month | Unlimited |
| Yearly | $49.99 per year | Unlimited |
| Lifetime | $129.99 once | Unlimited |
Prices can differ by country. The current Mac version requires macOS 14.6 or later.
Strengths
- CSV import can bring in existing bank or credit-card records
- Color themes include options for different forms of color vision deficiency
Watch out for
- The forecast uses one combined balance rather than a separate balance for each bank account
Best for
- Mac users planning household cash-flow scenarios
Sources
- Cashculator overview (Oct 27, 2026)
- Cashculator getting started guide (Oct 27, 2026)
- Cashculator main concepts (Oct 27, 2026)
- Cashculator access and pricing (Oct 27, 2026)
- Cashculator on the US Mac App Store (Oct 27, 2026)
- Cashculator scenarios and combined balance (Oct 27, 2026)