Young professionals

Early-career money is often a short list of accounts — checking, a card, and a loan — plus spending that is still taking shape. One workspace is enough. A business workspace is not required.

How it helps

Accounts, including debts

Add checking, savings, cards, and loans by hand. A credit card or loan stays an account with a balance, in the same list as savings. Free includes up to 5 accounts. Bank linking is not on Free.

Spending by category

Transactions you enter can take a category. The Categories view shows a donut and a ranked list of spend. Uncategorized stays visible.

Net worth forecast

The net worth forecast projects assets and liabilities from the accounts you add. It is available on demand on Free.

Cash-flow forecast

On Basic, the cash-flow forecast projects a running balance from recurring income and bills. Category budgets are on Basic as well.

Getting started

Add accounts by hand

Add checking, savings, cards, and loans yourself. Free includes up to 5 accounts. Bank linking is not on Free.

See the net worth forecast

The net worth forecast projects the accounts you added. It is available on demand on Free.

Set up categories

Categorize transactions. The Categories view lists spending by category and is included on Free.

Budgets and the cash-flow forecast are on Basic.

When you're facing a big choice

Pay Off Debt vs Invest compares extra payments on one loan with investing that same cash at a return you enter. You can open the decision page on Free. Saving named scenarios is on Premium.

Start with the accounts you have

Add accounts by hand and see a net worth forecast on Free with Fiscal Flowcast. Budgets and a cash-flow forecast are on Basic.