Cash Flow Forecasting

See what's below the surface before it hits.

Iceberg maps your income, bills, and debt day-by-day into the future — so you always know what's coming and when to spend.

Try the Demo Learn More
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Coming soon to
Google Play
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Coming soon to
App Store
ICEBERG Flow
End Balance
$4,820
Low Point
$312
Paycheck
income · biweekly
$2,400
Rent
expense · monthly
$1,100
Car Loan
debt · monthly
$380
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Features

Built for real life, not spreadsheets.

Everything you need to understand your finances without a finance degree.

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Day-by-Day Forecast
Simulates your cash flow from today through your full horizon — every paycheck, bill, and debt payment accounted for.
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Household Sharing
Invite a partner to share one household. Both of you see the same forecast in real time — no more guessing games.
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Debt Avalanche
Automatically routes extra cash toward your highest-priority debt. Watch your payoff date move earlier month by month.
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Smart Purchase Timing
Tap any expense to see a heatmap of the best days to buy — based on your projected balance and upcoming bills.
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Visual Graphs
Balance over time, debt payoff curves, and spending breakdowns — all in one place, no setup required.
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Works Offline
Your data is cached locally and syncs to the cloud when you reconnect. The app works whether or not you have signal.
How It Works

Set it up in minutes.

No bank linking, no subscriptions required to get started. Just your numbers.

1
Enter Your Entries
Add your income, regular expenses, and debts. Takes about 5 minutes.
2
See Your Future
Iceberg simulates your balance day-by-day across your full forecast horizon.
3
Make Better Calls
Know exactly when you can afford something — and when to wait.

See it for yourself.

Try the interactive demo — no account needed. Add your own numbers and watch the forecast update live.

Open Demo App →