Looking at a list of transactions in your bank account doesn’t really help you understand what’s going on. We need to have the data added up and illustrated in an intuitive way, and doing this on your own is a lot of work.

Cashculator can take a lot of the effort out of it and help you plan for the future as well. It provides a clear listing of all your transactions, income, and expenses, allows you to set up scenarios for easy comparison, and generates simple, easy-to-read reports.

With many personal finance apps, you have to set up everything from scratch. This means creating categories and even adding transactions manually. It’s these initial steps that discourage many users.

Cashculator instead provides some helpful templates for various types of individuals or businesses, with all the usual transaction categories already set up. You can then import transactions from other apps or a bank statement, and you’re good to go.

Once your data is imported, you can organize all your transactions and set up recurring income or expenses. The app enables you to see how your finances will look in the future, either weekly or monthly.

One very interesting feature is the ability to create scenarios. Whether it’s buying a house or car, you’ll be able to see how it affects your finances in the upcoming months, and you can quickly toggle between scenarios for easy comparison.

The Reports tab essentially summarizes your finances via tables or graphs. It allows you to visualize your income and expenses, overall balance, and the difference between your actual budget and a hypothetical scenario.

Budgeting is complicated, particularly because it takes a lot of work to boil everything down into an easily digestible summary. That’s what Cashculator excels at, taking as much effort as possible out of importing and organizing your data. And once you’ve set it up, the smart UI layout gives you a clear picture of your present and future finances.