What Is RainCheq?
RainCheq is personal financial forecasting that runs on your device. See your future cash flow weeks, months, or years ahead by projecting account balances from your recurring activity and income. No servers. No uploads. Your data never leaves your device.
Other forecasting apps are online-only: your transactions and balances live on their systems. RainCheq is the only local-first forecasting app. You get the same power to see ahead without handing your financial data to a third party.
RainCheq is not a budgeting app.
We don't track whether you're "on budget." We help you answer the question: What will my account balances look like in the future?
Key Features
Everything you need to forecast your financial future
Privacy First
Data stays on your device. We cannot access your data.
Forecasting Focused
Forecast account balances weeks, months, or years ahead. See how bills, income, and one-off transactions affect your cash flow.
Allocated Savings
Allocate funds for specific purposes in an envelope within an account. Organize by goal and see when you'll have enough.
Recurring Activity
Define recurring income, expenses, and transfers with any frequency. RainCheq incorporates them into your forecast.
Visual Cash Flow
View interactive, dynamic balance projections, cash flow, and categorized spending.
Transaction Import
Import from OFX or QBO. Request new formats and we'll add them.
RainCheq+
Unlock additional features with a monthly subscription
Automatically Sync Transactions
Link your bank and credit card accounts for automatic syncing. No manual uploads required.
AI Categorization
A dedicated, personalized AI model categorizes transactions and learns from your usage over time. Your data is not used to train any other models and your model is not used by anyone else.Coming Soon
Web Version
Use from any browser. Sync via your own storage (e.g., iCloud, Google Drive, Dropbox). Your data stays yours.Coming Soon
Core RainCheq features work without RainCheq+. Cancel any time.
How RainCheq Compares
Local-first forecasting vs. cloud budgeting apps
| Feature | RainCheq | PocketSmith | Quicken | Monarch Money |
|---|---|---|---|---|
| Local-First (Offline-Capable) | Yes | No Cloud-based | No Cloud-based | No Cloud-based |
| Future Balance Forecasting | Yes | Yes | Limited Short-term only
No configurable model | No |
| Cash-Flow Timeline (Day-by-Day) | Yes | Limited Monthly/high-level
No day-by-day view | Limited Account balances
Not full cash flow | No |
| Editable Assumptions (Income, Expenses, Timing) | Yes | Yes | Limited Some scheduled edits
Limited global knobs | No |
| Envelope-Aware Planning | Yes | No | Limited Category-based only
Not envelope-constrained | No |
Most apps stop at reporting. RainCheq lets you model what happens next: day by day, envelope by envelope, entirely on your device.