Master Your Cash Flow on a
Visual Financial Calendar.
Stop guessing what your account balance will look like at the end of the month. Money Calendar unites your accounts, recurring bills, split receipts, and multi-currency transactions into a predictive calendar. No monthly subscriptions. No cloud lock-in.
Built for Real-World Personal & Freelance Finances
Most budget tools force you into rigid spreadsheets or rear-view expense logs. Money Calendar looks forward, giving you total clarity on your financial timeline.
Calendar-First Cash Flow
View your complete month in a single glance. Every day calculates income, expenses, and net daily balance with interactive drag-and-drop moves.
Balance Forecast (30–365d)
Project your future cash runway with precision. View projected balances over 30 days, 3 months, 6 months, or 1 year based on your financial schedule.
Recurring Rules & Subscriptions
Automate regular paychecks, rent, and subscriptions. Future occurrences appear virtually on your calendar without cluttering your records until confirmed.
Global Multi-Currency
Hold accounts in USD, EUR, GBP, JPY, or Crypto. Automatic rate updates and unified USD-pivot conversion for true consolidated net worth.
Itemized Split Receipts
Split single retail or grocery purchases into separate categories and subcategories with custom amounts for precise accounting.
Visual Reports & Analytics
Deep-dive into Overview dashboards, Expenses by Category, Income Streams, Monthly Cash Flow, and Account Performance.
Built Natively for macOS & Windows
No sluggish Electron web wrappers. Experience blazing native desktop performance crafted with SwiftUI for Mac and .NET 10 WPF Fluent UI for Windows.
macOS Edition
Requires macOS 15+
- Universal Binary: Native for Apple Silicon (M1/M2/M3/M4) & Intel
- macOS System Dark & Light mode integration with vibrant accents
- Distributed exclusively via Mac App Store with Apple ID sync
Windows Edition
Requires Windows 11, .Net 10
- Optimized for Windows 11 & Windows 10 (64-bit)
- Modern Fluent UI, Mica/Acrylic aesthetic, and responsive UI scaling
- Direct website download installer + PayPro Global instant license key
Your Money. Your Privacy. Zero Telemetry.
Financial privacy is non-negotiable. Money Calendar is 100% offline-first. We never see your balances, banking credentials, or transaction history.
No Cloud Scraping
We never ask for your bank login credentials or scrape your third-party financial accounts. Import your statements safely via CSV, OFX, or QFX.
Automatic Backups
Automated point-in-time snapshot backups keep your database secure against disk failure. Restore any historical version in a single click.
Full Data Ownership
Your financial history is stored in standard SQLite. Export to CSV or OFX whenever you want. You are never held hostage by proprietary clouds.
One-Time Purchase. No Monthly Subscriptions.
Tired of paying $10-$15 every month just to see your budget? Money Calendar offers a generous Free tier and an affordable Lifetime Pro license.
- Interactive Financial Month Calendar
- Multiple Accounts (Cash, Bank, Cards)
- Income, Expense & Transfer Tracking
- Up to 5 Recurring Transaction Rules
- Overview Dashboard & Basic Analytics
- 100% Offline Local Storage
- Everything in Free, plus:
- Unlimited Recurring Transaction Rules
- Predictive Balance Forecast (30–365 Days)
- Live Auto Exchange Rates (USD Pivot)
- Import CSV, OFX, QFX & Legacy Data
- Scheduled Local Database Backups
- Interactive Financial Month Calendar
- Multiple Accounts (Cash, Bank, Cards)
- Income, Expense & Transfer Tracking
- Up to 5 Recurring Transaction Rules
- Overview Dashboard & Basic Analytics
- 100% Offline Local Storage
- Everything in Free, plus:
- Unlimited Recurring Transaction Rules
- Predictive Balance Forecast (30–365 Days)
- Apple ID Sync & Seamless Restore
- Apple Family Sharing Supported
- Universal Binary (Apple Silicon & Intel)
| Feature / Aspect | Money Calendar | Cloud SaaS (YNAB / Monarch) | Spreadsheets (Excel) |
|---|---|---|---|
| Pricing Model | One-time ($29.95$9.99) — Own Forever | $99 - $150 / year forever | Office 365 subscription |
| Visual Calendar Grid | ✅ Built-in core UX | ❌ List/category views only | ❌ Manual formula setup |
| Future Cash Flow Forecast | ✅ Automated Day-by-Day | ⚠️ Limited envelope zero-sum | ⚠️ Manual complex macros |
| Data Privacy & Offline First | ✅ 100% Local SQLite | ❌ Third-party cloud servers | ✅ Local files |
| Multi-Currency Engine | ✅ USD pivot & Auto-Rates | ❌ Poor / Single currency | ⚠️ Manual formulas |
| Cross-Platform Parity | ✅ macOS (Swift) & Windows (.NET 10) | ✅ Web apps | ✅ Office |
Frequently Asked Questions
Everything you need to know about Money Calendar and the new 2026 engine.
money-calendar.db). You can place the database in a shared folder (such as iCloud Drive, Dropbox, OneDrive, or a local flash drive) and open it seamlessly on both operating systems. For Windows:
Your Money Calendar Pro license is yours for life — no subscriptions, no recurring fees. When we release a new major version for Windows, you’ll have the option to upgrade through an exclusive discounted offer, ensuring you always stay on the cutting edge while keeping your current version fully functional.
For Apple:
On Apple devices, your purchase is a lifetime guarantee. The App Store policy means you enjoy the version you bought forever, with no extra charges or upgrade fees — simple, transparent, and yours to keep.