User Manual

Foreseenly CashFlow User Manual

Use this quick reference to set up your forecast, understand the chart, keep accounts current, and review bank activity with confidence.

Updated 2026-09-15 Manual Current app experience

Basics

Foreseenly™ CashFlow is a planning app. It starts with what you know today, then projects upcoming income, bills, transfers, debts, and assets into a forward-looking forecast.

Accounts hold balances, plans, and history.
Plans are scheduled future items, such as salary, rent, mortgage, savings, or debt payments.
Forecasted items are upcoming plan entries. Once cleared, they move into Past.
All Accounts combines visible accounts so you can see your overall cash flow or net worth.

Cost & Privacy

Is the app free?

Yes. Foreseenly™ CashFlow is free to use. You may occasionally see an optional prompt to become a supporting member or make a contribution. That support helps keep improving the app and building requested features.

If you make an in-app purchase, tap Restore on the Contributions screen when moving to a new device or reinstalling to avoid contribution prompts.

How is my data handled?

Keeping your financial data yours is a core goal of Foreseenly™ CashFlow. The app is designed for privacy-first planning, the same way the founder built it for personal use.

Your forecast data is stored in the app's encrypted database on your device.
When you use iCloud backup, sync, sharing, Watch, or widgets, the app uses Apple/iCloud and shared app storage to keep those views current.
Passcode or Face ID can protect access to the app on your device.
Account sharing controls can hide selected open accounts from other iCloud sharing users.
Bank Reconciliation Beta reviews files inside the app and waits for your approval before changing transactions. It is currently available in DEMO and COPY, but not for LIVE data.
The app may collect limited, non-financial product usage signals to improve the experience, such as which features are used or whether a setup step was completed. These signals do not include your account names, balances, transaction titles, bank export contents, or other financial details.

What about AI?

Any AI-augmented features inside the app run on your device.
QApps will never send your private financial data to a third party or to any AI model outside your device.
AI chat or help on support websites, such as QApps Help, is separate from the app and cannot access your on-device app data.

Do not email bank exports or sensitive financial files. Support will never ask you to share them. For privacy or support questions, contact [email protected].

Quick Start

Quick Start (available since version 1.17.0) is the guided first-run setup. It helps you choose useful starter accounts, enter the first balance, add core income and bills, and preview the resulting forecast before saving.

Choose the planning areas that fit your life, such as personal, shared household, business, savings, debt, or assets.
Keep, rename, or remove the suggested accounts before plans are created.
Choose the Financial Time Zone used by your primary home and bank accounts. Normally leave it unchanged while traveling.
Enter starting balances, income, bills, transfers, and loan details where relevant.
Review the forecast preview, then save the starter setup.

Good to know: If you close Quick Start, your progress is saved. Reopen it from Help. You can hide its add-menu shortcut without deleting data. After Quick Start, use the normal add and edit screens for future changes; Quick Start will not recreate items you already saved.

Forecast View

The main screen combines the chart, account switcher, range controls, plan list, history, and add button. Together they answer one question: what may happen to this account over time?

Account switcher - tap the account name to focus on one account or All Accounts.
Range - switch between shorter and longer forecast windows.
Chart - review cash-flow direction, warnings, and balance movement. Supported chart styles include line, bar, and pie-style summaries where available.
Plan list - tap a row to edit it, or open the account plans view to see every plan and account stat for the selected account.
Calendar and Past - review scheduled dates, cleared items, and past activity.

Replay the short app guide from Help. After Quick Start leaves the add menu, Learn More appears there with repeatable walkthroughs for Calendar View, manual clearing and Past, Backup/Sync/Sharing, and Settings.

Plans & Transactions

A plan is a scheduled income, expense, transfer, loan, or asset activity that drives the forecast. Use the +/- button to add one.

Create or edit a plan

Choose the type: income, expense, loan/debt, asset, or transfer-style plan.
Pick or create the title/category, then enter the amount and account.
Set the schedule: once, daily, weekly, semi-monthly, monthly, yearly, or another supported repeat interval.
For supported repeating schedules, enter End After to calculate the ending date, or choose an ending date to display the corresponding repeat count.
Use optional fields for transfer accounts, tax/deductible notes, alerts, manual processing, or labels.
Tap Save. When editing, choose when the change should begin; a future start preserves older history.

Copy Plan prepares a new editable plan with the existing details so you can adjust its schedule or other fields before saving.
Subtitle fields can suggest subtitles previously used for the same kind of plan or single transaction.
If a changed start date would leave an earlier scheduled transaction behind, Foreseenly shows its date and asks whether to keep or remove it.

Transfers

Use Transfer only when money also moves between accounts you track, such as checking to savings, checking to credit card, or a mortgage payment reducing a lender account.

For an expense, Transfer To is the receiving account.
For income, Transfer From is the source account.
For a one-time transfer, create a plan that repeats once.

Auto-clear

Auto-clear controls whether a forecasted item clears itself when the due date arrives.

Auto-clear on - best for predictable income and bills. The item moves into Past and updates the account balance automatically on the due date.
Auto-clear off - best when you want to confirm the real amount or timing before it affects the account balance.

For an overdue manual item, use Clear and choose the correct date so the transaction moves into Past.

Tip: swipe partway to the right and tap Clear to confirm the amount, date, and whether the item should update the account balance. Instant Clear is optional and disabled by default; enable it from the confirmation window if you want a full swipe to clear immediately with the default date and amount.

Filters & Search

Filters help narrow the forecast without changing your data. The current filter experience separates quick one-off filters from saved filters.

Temporary Filter - create a one-off unsaved filter for the current account or All Accounts.
Saved Filters - apply, edit, rename, or delete reusable filters for the current scope.
All Accounts filters can include account selection. Single-account filters already know their account.
Search is useful for finding specific plan titles, subtitles, or transactions without building a saved filter.
Search Results can help with cleanup: select multiple matching items, then tap Process to clear them together. Review the confirmation carefully, especially when past-due items should keep their original dates.

When a filter is active, the app shows a visible filter indicator. Clear the filter to return to the full forecast.

Loans, Assets & Net Worth

Foreseenly™ CashFlow can forecast debt payoff, asset growth, and net worth by connecting plans, lender accounts, and asset accounts.

Loans and mortgages

Create a loan or mortgage plan with payment amount, principal balance, APR, lender account, schedule, and next due date.
Use the transfer/lender account so each payment can reduce what you owe.
Track escrow as a separate expense so interest and principal stay clear.
Record extra principal payments from the relevant lender or account plan view.

Assets and net worth

Create asset accounts for property, vehicles, investments, crypto, or other holdings you want to forecast.
Set value, currency where supported, growth/appreciation or depreciation rate, start date, and compounding.
Use Lien at to connect an asset to the lender account that holds its debt.
Use All Accounts with net worth enabled to see assets and debts together.

Bank Reconciliation Beta

Bank Reconciliation Beta is available in DEMO and COPY. It is not yet available for LIVE data.

It reviews one bank export against one account, suggests matches, additions, ignored rows, and conflicts, and changes nothing until you approve Apply.

Open Past for the account and start Bank Reconciliation Beta.
Select the bank export and review its mapping.
Review exact, likely, possible, unmatched, duplicate, and conflict sections, then choose what to include.
Approve Apply. Foreseenly creates a safety backup and applies approved transactions from oldest to newest.
If processing pauses, review the affected transaction and follow the suggested recovery action.
Completed transactions are locked and will not be applied again.
Review reconciliation history and the resulting account balance.

Optional Foreseenly CSV

The optional Foreseenly CSV template is available from the reconciliation start and mapping screens.

Required headers: Date, Description, and Amount.
Optional headers: Reference, Balance, Type, and Memo.
Positive amounts are deposits or inflows; negative amounts are payments or outflows.
Replace or remove the sample rows before selecting the file.

Beta note: This is a review workflow, not live bank linking or automatic bank sync. Use an export you understand and review the balance impact before applying changes. Do not email bank exports or sensitive financial files to support.

Accounts & Settings

Open Settings from the gear button to adjust app behavior, accounts, categories, backups, sharing, and privacy.

Accounts

Rename accounts, change warn limits, reorder the account list, or add new accounts.
Close an account to hide it from daily views while keeping its plans, forecasts, balances, and history.
Reopen a closed account later from the closed accounts section.
Choose which open accounts are hidden from iCloud sharing; hidden shared accounts stay visible to you.

Preferences

Set authentication, forecast length, warning defaults, chart style, base currency, and crypto/asset assumptions.
Set Financial Time Zone to the time zone of your primary home and bank accounts. If changing it would make Today a different date, Foreseenly warns you before saving.
Manage income and bill names so forms and Quick Start use clearer suggestions.
Export or import data, erase app data, and restart Quick Start after a full erase.

Backup, Sync & Sharing

Foreseenly™ CashFlow uses iCloud and local backups to protect your forecast. Automatic iCloud backups are on by default; manual backups are available from Backup & Sync.

Mac: A backup is scheduled after each save; nearby saves may be combined.
iPhone and iPad: A backup usually starts within about 10 seconds of switching to another app. Uploading may take longer.
To disable automatic backups, set Settings > Automatic iCloud Backups? to No and save. Set it to Yes to re-enable them.
Do not rely on force-closing the app or shutting down the device to complete a backup. Make a manual backup and check that it has completed before shutting down or switching devices.
Restore creates a local fallback copy first.
If an iCloud backup uses a different Financial Time Zone, Foreseenly shows the proposed change and asks for confirmation before restoring.
If you ignore a sync notification, use the ignored backup bar to restore later.
For iCloud sharing, open Backup & Sync, use the share button, and send the invite.
Sharing is one-way. Restoring another person's backup replaces your current data instead of merging it.
Stop sharing from the backup marked as shared by you.

Keep other devices updated before restoring backups created by a newer app version.

Related: Backup & Sync and iCloud Sharing.

Troubleshooting

If you have been using the app for a while and need to fix or check one specific thing, start here.

My balance looks wrong - check Forecast and Past for a transaction with the wrong amount, date, or balance behavior. Restore and clear it again if needed. Turning Update Balance? off is mainly for legacy balance-repair cases. If the balance still does not match, use the account +/- balance update to enter the current balance, then contact [email protected].
I need to change a bill, income, or loan payment - open the plan, update the fields, then choose when the change should begin.
An item did not clear automatically - check whether Auto-clear is off. If it is overdue, use Clear and choose the correct date.
I moved money between accounts - use Transfer only when both accounts are tracked in the app; otherwise record it as normal income or expense.
I no longer use an account - close it in Settings instead of deleting it so its history remains available.
I changed devices or reinstalled - restore the correct backup, then restore any previous contribution from the Contributions screen.
Dates look a day early or late - check Financial Time Zone in Settings. Use the zone of your primary home and bank accounts rather than changing it while traveling.
The Watch or widget looks stale - open Foreseenly on the iPhone after major changes or a restore.
I cannot find Bank Reconciliation Beta - it is currently available in DEMO and COPY, but not for LIVE data yet.

Help & Best Practices

Use Help to open support, send ideas, resume Quick Start, replay contextual guides, or read this manual.
Use transfers only when money moves between accounts you track.
Separate mortgage escrow from principal and interest tracking.
Prefer Auto-clear for predictable items and manual processing for items that need review.
Create a manual backup before large cleanup, import, or restore sessions. Use DEMO or COPY for reconciliation testing.
Use closed accounts instead of deleting accounts when you want to preserve history.

Foreseenly™ CashFlow is designed to help you see ahead, stay calm, and make better decisions with your money. Learn more at foreseenly.com, or visit qapps.com to learn about QApps, the independent studio behind the app.

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