✨ Deep Feature Tour

Everything You Need to Master Your
Cash Flow & Financial Runway

Engineered from the ground up for macOS (SwiftUI) and Windows (.NET 10 WPF). Discover how Money Calendar replaces rigid spreadsheets with a crystal-clear, forward-looking financial calendar.

📅 Interactive Calendar 📈 Balance Forecast ↻ Recurring Rules 🌍 Multi-Currency 🧾 Split Receipts 📊 Analytics & Reports 📥 Bank Imports 🔒 Offline SQLite 📸 App Screenshots
October 2026 — Cash Flow Month View
All Accounts
Month Income
+$6,450.00
Month Expense
-$4,120.50
Net Cash Flow
+$2,329.50
15 Wed +$2,950
💰 Salary
Bal: $12,450
16 Thu $0.00
No events
Bal: $12,450
17 Fri ★ -$85
🛒 Groceries
Bal: $12,365
18 Sat -$1,240
🏛️ Taxes
Bal: $11,125
💡 Drag & Drop Ready: Drag any transaction to another day cell to instantly reschedule.
Core Interface

Interactive Month Calendar with Day-by-Day Totals

Put your finances on a visual timeline instead of a backward-looking receipt log.

Money Calendar organizes your income, regular bills, and daily spending directly onto an interactive monthly calendar. Every day cell calculates your net daily flow, end-of-day account balances, and upcoming obligations. When a payment date changes, simply drag and drop it to another day — all balances recalculate in milliseconds.

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    Real-Time Day Totals: See daily income, expenses, and running account balances right inside each day cell.
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    Fluid Drag & Drop: Reschedule bills or paychecks between dates with instant mathematical recalculation.
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    Status Badges: Differentiate between planned upcoming bills, uncleared checks, and cleared transactions at a glance.
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    Custom Account Filtering: View a single wallet, a specific bank account, or consolidate all liquid assets together.
Cash Runway & Balance Forecast (365 Days)
Pro Feature
30 Days 90 Days 180 Days 1 Year
Projected End Balance
+$24,850.00
Today: $11,125 Peak: $28,400 (Dec 24) End: $24,850
🛡️ Forecast Status: Healthy cash runway. No deficits projected. 180 Days Horizon
Forward Planning

Forward-Looking Balance Forecast (30 to 365 Days)

Plan ahead with total confidence across monthly, quarterly, and annual horizons.

Traditional budget software only tells you what you spent last week. Money Calendar looks forward. By merging current account balances with scheduled paychecks, upcoming recurring bills, and split expenses, it simulates your exact cash position weeks and months into the future.

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    Flexible Horizons: Select 30 days, 60 days, 90 days, 180 days, or a full 365-day year of future balance modeling.
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    High-Performance Charts: Visual balance trajectory curves rendered natively on Windows and Mac.
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    Proactive Planning: Know your exact cash runway before making large commitments or booking vacations.
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    Scheduled Event Integration: Automatically factors in all future recurring rules and planned transfers.
Recurring Rules & Automation Manager
6 Active Rules
↻
Employer Salary Paycheck
Every 2 Weeks on Friday • Bank Checking
+$2,950.00
↻
Apartment Monthly Rent
Monthly on the 1st • Housing Category
-$1,850.00
↻
Cloud Software & Subscriptions
Monthly on the 15th • Credit Card
-$32.99
✨ Virtual Occurrences: Rules project future dates dynamically without cluttering database tables.
Automation

Smart Recurring Rules & Virtual Schedules

Automate regular paychecks, rent, subscriptions, and utility bills.

Never miss a bill or forget a renewal date. Money Calendar features a flexible recurrence engine that projects future occurrences dynamically onto your calendar. Virtual events stay cleanly separated from confirmed transactions until you check them off or confirm payment.

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    Versatile Intervals: Daily, Weekly, Bi-Weekly, Monthly, Quarterly, or Yearly recurrence patterns with custom intervals.
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    Clean Virtual Occurrences: Future events appear visually without polluting your historical records.
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    Single-Instance Edits: Modify an amount or skip a single occurrence without breaking the master rule schedule.
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    Reconciliation Check-off: Quickly mark virtual occurrences as paid to instantly convert them into permanent records.
Multi-Currency & Exchange Rates
● Live Rates
Consolidated Net Worth (USD Base)
$34,920.80
USD Pivot
🇪🇺 Euro Account Rate: 1.085
€12,500.00
≈ $13,562.50 USD
🇬🇧 GBP Savings Rate: 1.294
£6,200.00
≈ $8,022.80 USD
🇯🇵 Yen Travel Card Rate: 0.0067
¥350,000
≈ $2,345.00 USD
🇺🇸 USD Checking Base: 1.000
$10,990.50
= $10,990.50 USD
Global Finance

True Global Multi-Currency with USD Pivot

Manage international accounts, travel expenses, and crypto with precision.

Whether you are an international contractor, frequent traveler, or manage multiple currency accounts, Money Calendar handles multi-currency natively. Using a USD-pivot architecture, every currency calculates accurately without triangulation rounding errors.

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    Live Automatic Exchange Rates: Automatically downloads official currency exchange rates daily.
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    USD Pivot Precision: Mathematically sound conversion architecture matching professional financial software.
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    Custom Rate Overrides: Set exact transaction-level exchange rates for specific bureau de change purchases.
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    Unified Total Net Worth: Displays your consolidated wealth in whatever base currency you choose.
Split Transaction Receipt Breakdown
Verified Balance
Costco Superstore Purchase
Oct 18, 2026 • Visa Platinum
-$210.50
Category & Subcategory Line Amount
🍏 Food & Groceries (Produce & Dairy)
$142.00
🧼 Household Supplies (Paper Towels & Soap)
$48.50
🔌 Electronics & Office (HDMI Cables)
$20.00
✓ 100% Allocated (Sum matches receipt total) $210.50
Precision Tracking

Itemized Split Receipts & Hierarchical Categories

Break single supermarket or department store receipts into multiple categories.

A single trip to Costco, Walmart, or Target often contains groceries, household goods, electronics, and clothing. Money Calendar lets you split any single transaction into itemized lines with distinct categories, ensuring your analytical reports reflect your real lifestyle habits.

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    Unlimited Split Lines: Add as many split items as needed per receipt with instant total verification.
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    Two-Tier Categories: Organize spending into intuitive Parent Categories and Subcategories with custom icons.
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    Auto-Complete Payees: Remember frequent stores, payees, and transaction notes automatically.
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    Accurate Expense Analytics: Prevents grocery totals from being artificially inflated by household equipment.
Financial Reports — Expenses by Category
Year 2026
TOTAL $41.2k
🏠 Housing (38%) $15,650
🍏 Food & Dining (25%) $10,300
🚗 Auto & Transport (19%) $7,820
⚡ Utilities & Tech (18%) $7,430
📈 Available Reports: Overview • Expenses • Income • Cash Flow • Forecast
Analytics

Visual Financial Reports & Analytical Dashboards

Gain deep clarity into where your money comes from and where it flows.

Understand your personal finances through rich, interactive reports. Drill down into expenses by category, analyze multiple income streams, compare month-over-month cash flow dynamics, and inspect account balance histories over any custom timeframe.

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    Overview Summary Dashboard: Instant high-level view of income, expenses, and net savings rate.
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    Expenses & Income by Category: Interactive donut charts and ranked tables highlighting top spending areas.
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    Monthly Cash Flow Comparison: Historical bar charts to compare seasonal spending patterns year-over-year.
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    Custom Date Filtering: Filter reports by this month, last quarter, full year, or custom date spans.
CSV & OFX Bank Statement Import Wizard
Ready to Import
Statement: Chase_Checking_Oct2026.csv
142 Transactions
Col 1: Date (YYYY-MM-DD)
Col 2: Description / Payee
Col 3: Amount (+ / -)
✅ Intelligent Mapping: Automatically detects headers, decimal commas/points, and skips duplicate transactions.
📂 Supported: CSV, OFX, QFX & Legacy MC Projects
Data Mobility

Bank Statement Import (CSV / OFX / QFX) & Migration

Import statements from any bank or financial institution in seconds.

Getting your transactions into Money Calendar is frictionless. Use the flexible CSV Import tool with custom column mapping, import standard OFX/QFX statement files from major banks, or migrate existing files from previous versions of Money Calendar.

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    Custom CSV Mapping: Map date, amount, description, payee, and category columns to any bank format.
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    Standard Bank Support: Direct support for industry-standard OFX and QFX export files.
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    Smart Deduplication: Identifies already recorded transactions to prevent duplicate entries.
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    Export Anytime: Export your full dataset back to standard CSV or OFX whenever you choose.
Database Storage & Automatic Backup Security
🔒 100% Local
💾
money-calendar.db (SQLite 3.x)
Local disk storage • Cross-platform Mac & Windows
Automatic Point-in-Time Snapshot Status
backup_2026-10-18_180000.db ✅ Restorable
backup_2026-10-17_180000.db ✅ Restorable
🚫 Zero telemetry • Zero cloud servers • Your data never leaves your computer
Privacy & Security

100% Offline Privacy & Automated SQLite Backups

Your financial data stays strictly on your computer. Zero telemetry, zero tracking.

We believe your financial life is strictly personal. Money Calendar operates 100% offline using a single standard SQLite file. We never ask for your bank passwords, scrape your accounts, or harvest telemetry. Automated background snapshots ensure you can restore any past state with a single click.

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    Portable SQLite Standard: Identical database structure (money-calendar.db) shared between macOS and Windows.
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    Automated Snapshot Backups: Creates timestamped database copies automatically on a customizable schedule.
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    Zero Cloud Tracking: No third-party analytics SDKs, advertising pixels, or telemetry servers.
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    Sync on Your Terms: Sync using your own private iCloud, Dropbox, OneDrive, or local backup drives.

Ready to Experience Visual Money Management?

Choose your operating system to download Money Calendar free or unlock the complete Pro Lifetime edition.

macOS Edition
Mac App Store
Native SwiftUI application. Universal binary for Apple Silicon (M1/M2/M3/M4) & Intel Macs running macOS 15+.
Get on Mac App Store
🍏 Free download & Pro purchase via Mac App Store
Windows Edition
Direct Web Distribution
Native .NET 10 WPF desktop application for Windows 11, .Net 10. Direct download installer and web checkout.
Download Free Buy Pro ($29.95)
🪟 Instant license key delivered via email checkout