SteadyCash

SteadyCash is a cash flow app for people whose income doesn't arrive on the 15th and 30th. Freelancers, contractors, small business owners, gig workers. I built it because I kept getting paid late by big clients and wanted to know, before it happened, whether I'd make rent.

Most budgeting apps tell you what you already spent. SteadyCash looks forward: it puts your income and bills on a calendar, projects recurring transactions ahead, and shows you the exact date your balance goes negative if that check doesn't land.

What it does

• Cash flow calendar. Monthly and weekly views with a running daily balance, so you can see when bills hit and whether the money is there yet.
• Runway. How many months your current balance covers. Set a goal, toggle future transactions on and off, and watch the number move.
• Recurring projections. Monthly, quarterly, or yearly bills and income projected forward automatically.
• Accounts and reconciliation. Checking, savings, whatever you have. Transfers between them, cleared vs. available balances, reconcile against your statement.
• Reports. Spending and revenue by category, plus month-by-month income vs. expense.
• Export and backup. JSON or CSV anytime. No lock-in.

Two things I care about

It's private. Everything runs in your browser and your data never leaves your device. There's no account and no server holding your finances.

You buy it once. $70, and it's yours. When money is tight is not the time to add another monthly subscription, so there isn't one.