JPO GLOBAL

JPO Cash Flow

In preparation for iPhone and Mac. Not yet available from the App Store.

One App Store purchase covers iPhone and Mac on the same Apple Account, once both versions are available. No subscription.

Know what’s left. JPO Cash Flow is a simple offline calculator for income, spending and net worth. Add your numbers and compare weekly, monthly or yearly averages. Clear, line-by-line calculations show income minus spending and what you own minus what you owe.

Move the live timeline from today to 50 years to explore what could happen if your income and spending stay the same. Jump to a week, an average month, six average months or a year.

Your numbers last only for the current session. Start again clears them; closing and reopening starts fresh. On iPhone, leaving the app and returning also starts fresh. No JPO account, saved records, backups, advertising, analytics or cloud sync. Your numbers do not move between devices.

Amounts are in Australian dollars. All views use 7-day weeks, 14-day fortnights, 365-day years and 12 equal average months. The timeline adds money left over to today’s net worth or subtracts a shortfall. It excludes interest, investment growth, inflation and tax you have not entered. Asset values and debts stay unchanged; spending on repayments does not reduce debts automatically. These are averages, not bank balances or forecasts of bill dates. For ages 13+. A manual budgeting tool, not financial, investment or tax advice.

All features are included. No in-app purchases.