Statement imports
Bring in supported CSV, PDF and OFX bank or credit-card statements. Layout and institution support varies; review extracted transactions.
Personal finance, made understandable
Understand this month. Prepare for the next.
Get a clear view of income, spending, upcoming bills and the money available for what matters. Keep account activity connected to the decisions you make.
Step-by-step help
Prefer to learn by doing?
Follow the Cashflow Pilot tutorials with examples you can check against your own data.
A closer look
Personal, step by step
From imported statement to monthly planning: here is where genuine screen captures will help illustrate each stage once available.
The labelled spaces above are not screenshots of the current app. Actual sanitized captures will be added after release and device verification. Until then, use the linked step-by-step guides to explore each workflow.
Everything in Personal
Your entire financial picture, from transactions to tomorrow.
Import and organize real activity, understand your monthly spending, plan recurring payments, and tune a dashboard around the decisions that matter to you.
Feature area 01
5 capabilitiesAccounts and imports
Start with transactions you control.
Accounts and balances
Organize multiple cash, chequing, savings and credit accounts, then inspect transactions and balances by account.
Optional bank connections
Where a bank connection option is offered, you may choose to use it instead of manual imports. This is separate from Cloud Sync.
Transfers and duplicates
Recognize potential transfers between your accounts and review duplicates before they distort cash flow.
Statement reconciliation
Compare imported activity against statement opening and closing balances and investigate differences.
Feature area 02
5 capabilitiesOrganize and understand
Turn imported records into useful categories.
Transaction review
Inspect merchant names, descriptions, dates and categories; correct unexpected imports before relying on reports.
Categories and rules
Create reusable categorization rules for future activity while avoiding statement-specific dates and other overly narrow text.
Income and expenses
Separate money coming in from money going out, track net monthly cash flow and spot category changes.
Spending trends
Compare months, review category breakdowns and identify changes in everyday expenses.
Custom reports and filters
Narrow views by periods and supported accounts so a large transaction history remains manageable.
Feature area 03
5 capabilitiesPlan a realistic month
Budget around your actual financial habits.
Monthly targets
Set category amounts and review them beside transaction activity instead of planning from memory.
Category funding and rollover
Follow the funding of categories and available carryover where the chosen budgeting workflow supports it.
Goals and sinking funds
Set aside money for larger expenses and measure progress over multiple months.
Debts and obligations
Keep loans, liabilities and payment commitments in view alongside cash accounts.
Budget review
Review overspending, underfunded categories and unusual entries before making next-month decisions.
Feature area 04
5 capabilitiesLook ahead
Make the next 30, 60 or 90 days less surprising.
Recurring bills and subscriptions
Identify repeating expenses, subscriptions and payments, then review their schedules.
Expected income
Use recurring pay or other expected inflows as inputs for future cash-flow estimates.
Cash-flow forecast
Project expected cash movement from known and recurring activity; outcomes are estimates, not bank-confirmed balances.
Forecast exceptions
Exclude inaccurate repeats, update dates and reconcile amounts when circumstances change.
Upcoming cash flow
See expected payments in a forward-looking timeline and plan around clustered due dates.
Feature area 05
5 capabilitiesMake it yours and keep it safe
A dashboard you control, with explicit data choices.
Customizable Home
Enable or hide available widgets, rearrange them and keep the layout that works for you.
Local-first storage
Use supported financial workflows on your device without first connecting a bank or enabling Cloud Sync.
Optional Cloud Sync
Register or sign in separately from the decision to synchronize supported records across devices.
Manual backups
Export supported records to an independent file and test restore before a big change.
Privacy and connection controls
Review what is local, what is synchronized and which third-party connections are authorized.
Some options depend on your device or the accounts you use. See the full feature table →
Built for real records
Details that make the difference.
A useful financial workspace needs guardrails, not just charts.
Review before you trust the totals
Transactions may need categorization, duplicate review or transfer matching. You can inspect and adjust imported activity before relying on reports.
Plan around real recurring events
Recurring bills and income sources contribute to the forward-looking cash-flow view. Exclude exceptions that should not recur.
Start manually, connect optionally
CSV, PDF and OFX are among supported statement paths, depending on the financial institution and layout. Optional bank connections use third-party providers.
Frequently asked
Personal questions, answered.
Do I need to connect a bank?
No. Statement imports and manual records can be used without handing over banking credentials. Optional third-party connections have their own availability and consent.
Are forecasts guaranteed?
No. They are projections based on the information, rules and expected events available in Cashflow Pilot, not guarantees of available bank funds.
Can I keep financial data only on this device?
Yes. Financial data is local-first and Cloud Sync is optional. Signing in and subscribing to a newsletter are separate choices.
What happens if I import the same statement again?
Review potential duplicates and reconciliation differences before accepting the result. Do not assume every institution or statement format can be deduplicated automatically.
Go further with these guides.
Step-by-step help for common tasks and important review checkpoints.
Data ownership and safety
Your account, your data, your choice.
You decide how to use your information, whether to connect a bank, and whether to sync across devices.
Local by default
Financial records are available on the device. You can start without linking a bank or enabling cloud replication.
Sync when you want
Signing in and Cloud Sync are different choices. Turn on Cloud Sync if you want to use supported information on other devices. Not every file or sensitive field is included.
Back up independently
Save a backup so you have a copy if you ever need to restore your information.
How it works
From first record to a clearer view.
Use the workflow that fits your existing data. Bank connections and Cloud Sync are optional, separate choices.
Add accounts
Create your accounts and import supported statements.
Review the records
Check merchants, categories, duplicates and transfers.
Plan the month
Set targets, recurring activity and obligations.
Keep a safety copy
Export a backup; turn on Cloud Sync only if wanted.
Guides & tutorials
Take the next step with confidence.
Short guides explain how data enters Cashflow Pilot and what to check before accepting it.
Import transactions
See how to get started, step by step.
Read guide →Build a monthly budget
See how to get started, step by step.
Read guide →Connect a bank optionally
See how to get started, step by step.
Read guide →Explore more
Plan with better inputs.
Practical reading on forecasting and categorization.
Forecast incoming and outgoing cash
Explore what the forecast counts, its assumptions and its limits.
Explore →Manage recurring bills
Correct dates, amounts and false patterns that affect projected balances.
Explore →Categorize with confidence
Create rules without accidentally including statement dates or false duplicates.
Explore →Free to use · Actively improving
Start today. Explore more as you need it.
Cashflow Pilot has no required app subscription for its current tools. Use one workspace or all three. Improvements keep coming, and you choose whether to connect a bank.
A better view of your finances starts here.
Use Cashflow Pilot locally, then add the workflows and integrations that make sense for you.