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Cash Flow Positive

How to use Cash Flow Positive

See your balance on every day of the month before it happens. No bank linking needed.

What it does

  1. Add accounts
  2. Add pay and bills
  3. See every day
  4. Get warned early

Get started

  1. Sign in with your email

    We email a one-time link. No password.

  2. Add your checking account and today’s balance

  3. Add your paycheck and regular bills

    Income & bills, or tick common bills in Quick setup.

  4. Open the calendar to see each day’s balance

  5. Look for ⚠ Low and ✖ Below $0 days

  6. Set your warning amount in Settings

Accounts

  1. Open Accounts and fill in Add an account

  2. Pick checking, savings or credit card

  3. Type the balance and the date it was true

    Use the balance at the start of that day.

  4. For a card, type the amount you owe

    A card counts as money owed: your combined balance is your cash minus what you owe on cards.

  5. Optional: type the card’s credit limit

    Then the calendar page shows how much of the limit you use, and we email you when a card is projected to reach 90% of it.

  6. Tap Edit to update a balance

  7. Tap Delete to remove an account

    Everything scheduled on it is removed too.

Income and bills

  1. Choose Money in, Money out or Transfer

  2. Type a name and the amount

  3. Choose how often it repeats

    One time, weekly, every 2 weeks, twice a month, monthly, every 3 months, yearly or custom.

  4. Set the first date, and an end date if it stops

  5. Tap Add to plan

  6. Or tick common bills in Quick setup and add them all

  7. Changed amount? Edit it and set Apply changes from

    Earlier dates keep the old amount.

The calendar

  1. Each day shows the projected end-of-day balance

  2. Tap a day to see what is scheduled on it

  3. Add something on that day from the day panel

  4. Use Next month to look up to a year ahead

  5. Use Show to see one account on its own

Low-balance and card-limit alerts

  1. Open Settings

  2. Set Warn me below to your safety cushion

  3. Set Look ahead (days): how far to check, 1–90

  4. Tick Email me when a low balance is coming

  5. Set Card near-limit alert to the share of a credit limit that should warn you

    Starts at 90%. A card with no limit is never warned about; a card can also set its own percent.

  6. Check your Time zone in Settings

    We set it from your device the first time you open the app.

  7. We email at 8:00 am in your time zone, once per dip

    Again only if it gets worse or moves, not every day.

  8. Monthly reminder? Check amounts, tap “Yes, these are still accurate”

    On the Income & bills page.

Import a bank CSV

  1. Download a CSV of 3–6 months from your bank

  2. Open Import CSV, pick the account and upload

    .csv up to 2 MB.

  3. Match the date, description and amount columns

  4. Pick the date format marked ✓

  5. Tap Preview transactions

  6. Check the items that look recurring, rename if needed

  7. Tap Import selected

Free overdraft calculator

  1. Open Overdraft calculator; no sign-in needed

  2. Type today’s balance, then your paychecks and bills

  3. Tap Check my month

  4. See your lowest point before month end

Your plan

  1. 14 days free, then $4.99 a month or $39 a year

  2. Subscribe any time from Settings → Plan

  3. After the trial, your plan stays visible but read-only

What the symbols mean

Plain day
Every cash account stays above your warning amount.
⚠ Low
A checking or savings account drops below your warning amount.
✖ Below $0
A checking or savings account is projected to be overdrawn.
2 items
How many things are scheduled that day. Tap to see them.
Checking → Card
A transfer: money moves from one of your accounts to another.
Read-only
The trial ended or a payment failed. Subscribe to edit again.

Common problems

Balance looks wrong
Edit the account: update the balance and its as-of date to today.
Imported dates are wrong
Under “2. Match the columns”, pick another date format and preview again.
Card purchases show as income
Tick “Purchases show as positive numbers” before preview.
“Larger than 2 MB”
Export a shorter date range (3–6 months is plenty).
“The uploaded file has expired”
Upload the file again; uploads are kept only briefly.
Buttons are grayed out
Your plan is read-only. Subscribe in Settings → Plan.
No alert email
Check the alert box is ticked in Settings, and your spam folder.
Alerts or “today” are at the wrong time
Settings → Time zone: pick the zone you live in, for example America/New_York, and save.

Your data

  1. Everything you entered is listed on Accounts and Income & bills

    There is no file download yet.

  2. We never connect to your bank or ask for bank passwords

  3. Uploaded CSV files are deleted after import, or within 7 days

  4. Turn off usage stats: Settings → Privacy

    Untick “Share anonymous usage data”. Do Not Track and Global Privacy Control also turn it off. No cookies either way.

  5. Delete everything: Settings → Delete account

    Type the account name to confirm. This cannot be undone.