Local use
No registration or bank connection is needed to begin. Your financial data can stay on your device.
Get started →Straightforward pricing · October 2026Your finances should make sense.
Your finances should make sense.
So should the price.
Cashflow Pilot is free to use. No paid Cashflow Pilot plan is required to track personal finances, investments or business records.
Cashflow Pilot
$0 app subscription
Start with what you need.
Open the app and work locally without an account or connected bank. Personal, Portfolio and Business are included in the current free experience.
Open Cashflow Pilot ↗What you can do for free
- Organize income, spending, accounts and recurring bills
- Explore cash-flow forecasts and customizable dashboards
- Track investment holdings and net worth
- Review business transactions, invoices and accounting reports
- Import supported statement files and back up your data
Some integrations, cloud features and device experiences depend on account eligibility, settings and platform.
Your choices
Pay nothing for the app. Choose your extras.
Cashflow Pilot lets you start with manual records and supported statement imports. Optional services are separate.
Optional connections
If you use an eligible bank connection provider such as SimpleFIN or Lunch Flow, that third-party service may charge its own fee.
Learn about connections →Optional sync
Registration and Cloud Sync are separate choices. Some information stays on your device, so keep a backup too.
How data works →Growing together
A product that keeps getting better.
New capabilities and refinements are added over time. Recent updates have improved dashboards, connections, account management and data controls.
Frequently asked questions
Simple answers about cost.
Is Cashflow Pilot really free?
Yes. Cashflow Pilot currently has no required app subscription for Personal, Portfolio or Business features. You can start without a payment method.
Will connecting my bank cost money?
Cashflow Pilot does not require you to connect a bank. If you choose a supported third-party connection service, the provider may charge you separately.
Do I need an account to use the app?
No. You can begin locally without registering. Some optional services need sign-in.
Will everything always stay free?
Today's listed app features are free. Future offerings and terms can change; we'll explain material changes clearly.
How often do new features arrive?
Cashflow Pilot is actively developed. Updates are released as features and fixes are ready, rather than on a promised fixed schedule.
Get started without a subscription.
Start locally. Add connections and sync only when they make sense for you.