Why We're Going Free - A Transparent Look at Our Journey

Today, we're announcing a major change: Projected Cash Flow is now completely free. No trials, no subscriptions, no billing—just a powerful cash flow projection and debt management tool that's yours to use without any cost while we focus on building more value.

This wasn't an easy decision, but it was the right one. Here's why.

The Honest Truth: We Weren't Delivering Enough Value

After operating with a subscription model, we had to face a difficult reality: we weren't consistently delivering enough value to justify charging our users $4.99 per month.

While our users loved the core functionality—cash flow projections, debt snowball calculations, and Lunch Money integration—the honest feedback was clear:

• Limited feature depth: Compared to comprehensive financial apps, our feature set was too narrow for a monthly subscription
• Niche use case: Cash flow projection, while valuable, isn't something most people need to check daily
• Better as a complement: Users saw us as a useful tool to use alongside their primary financial apps, not replace them

What We Learned About Value

Building a SaaS product taught us some hard lessons about value perception:

1. Frequency of Use Matters

Unlike budgeting apps that users check daily, cash flow projection is more of a "set it and review periodically" tool. Monthly subscriptions make more sense for daily-use products.

2. Feature Breadth vs. Depth

While we excelled at cash flow projections and debt calculations, users expected broader financial management features for a subscription price point.

3. Comparison Shopping is Real

Users consistently compared us to free alternatives or comprehensive paid solutions that offered much more for similar or lower prices.

Why Free Makes Sense Right Now

Making Projected Cash Flow free isn't giving up—it's giving us space to build something better:

Removing Barriers to Financial Wellness

Personal finance tools should help people, not create another monthly expense to worry about. By going free, we're removing the biggest barrier to entry for people who need financial planning help most.

Focus on Building Real Value

Without the pressure to justify a subscription price right now, we can focus on developing features that truly deserve a premium price point.

Learning from More Users

More people can now benefit from smart financial planning tools, and their feedback will help us understand what features would justify paid plans in the future.

What This Means for You

If you're a current user:

• Nothing changes functionally—all features remain exactly the same
• Your data is safe—everything stays exactly as it was
• No more billing—your subscription has been automatically canceled with no charges

If you're new to Projected Cash Flow:

• Full access immediately—no trials, no credit cards, no restrictions
• All features included—debt snowball calculator, multi-currency support, everything
• Free while we build—we're committed to keeping the current features free while we develop new value

Our Commitment Going Forward

Making this change doesn't mean we're stepping back from development. Instead, we're taking time to build what users actually want:

1. Reliability: Ensuring the app works flawlessly for cash flow projections
2. Research: Understanding what features would provide enough value for a subscription
3. Development: Building comprehensive tools that justify premium pricing
4. Privacy: Maintaining bank-level security for your financial data

Our current features will remain free, and if we do introduce premium features in the future, you'll know they're worth paying for because we'll have taken the time to build them right.

A Note of Gratitude

To our subscribers who supported us during our paid phase: thank you. Your feedback, both positive and constructive, helped us understand what users really need from a financial planning tool. You helped us realize that our mission—helping people take control of their financial future—is more important than our revenue model.

The Bigger Picture

This decision reflects our commitment to building something truly valuable. Rather than charging for features that don't quite justify the price, we're taking time to understand what financial tools people actually need and are willing to pay for.

Too many people avoid financial planning because existing tools are either too basic or too expensive. We want to change that by providing free access to solid financial planning while we develop premium features that are genuinely worth the investment.

Looking Ahead

We're excited about this new chapter. We're gathering feedback, researching user needs, and developing features that could genuinely justify premium pricing. When we do introduce paid features, you'll know they're worth it.

The current app isn't going anywhere—it's staying free and accessible while we build the next generation of financial planning tools.

Try It Out (Free Right Now)

If you haven't tried Projected Cash Flow yet, there's never been a better time. No credit card, no trial period, no catch—just powerful financial planning tools that are yours to use while we build even better features.

Get started free →

Have questions about this change? Want to share your thoughts? Contact us—we'd love to hear from you.