Why We Offer a $99 Lifetime Deal (No Subscription Required)
Tired of subscription fatigue? Learn why we offer a one-time $99 lifetime deal and how it compares to monthly subscriptions like YNAB.
Let's be honest: subscription fatigue is real. Between Netflix, Spotify, your cloud storage, your password manager, and a dozen other services, monthly fees add up fast. So when we built Cash Flow Forecaster, we decided to do something different.
The Math Behind Subscription Fatigue
Consider a popular budgeting app like YNAB, which costs $14.99/month (or $99/year). Over time, that adds up:
Meanwhile, our lifetime deal? $99 once, forever.
What's Included in the Lifetime Deal
For $99, you get permanent access to everything in Pro—no restrictions, no asterisks:
See your projected cash flow for an entire year ahead
Track all your bank accounts, credit cards, and cash
Forecast utilization and plan payments ahead
Snowball or Avalanche strategies to crush debt
Export to Excel, CSV, or JSON anytime
New features are automatically included
Lifetime vs. Monthly vs. Yearly
We offer three options so you can choose what works for your budget:
| Plan | Price | Year 1 | Year 3 | Year 5 |
|---|---|---|---|---|
| Monthly | $9/mo | $108 | $324 | $540 |
| Yearly | $69/yr | $69 | $207 | $345 |
| Lifetime | $99 once | $99 | $99 | $99 |
The lifetime deal pays for itself in just over one year compared to the yearly plan.
Why We Offer a Lifetime Deal
You might wonder: why would a software company offer a one-time payment option? Here's our honest reasoning:
We Built This for People Like Us
As freelancers ourselves, we understand subscription fatigue. We wanted to create something we'd actually want to use—and pay for—ourselves.
Upfront Revenue Helps Us Build Better
Lifetime deals give us the runway to invest in features without worrying about monthly churn. It aligns our incentives with making the product genuinely useful.
Long-Term Users Become Advocates
When you own something forever, you're more likely to recommend it to others. Word-of-mouth from happy lifetime users is our best marketing.
Common Questions About the Lifetime Deal
What if you shut down the service?
Your data is always exportable. If we ever shut down (we have no plans to), you'll get ample notice and the ability to export everything in multiple formats.
Do lifetime users get support?
Absolutely. Lifetime users get the same priority support as monthly/yearly subscribers. You paid for the product—you deserve support.
What if you raise prices later?
Your lifetime access is locked in at your purchase price. Even if we increase the lifetime deal price in the future, your access remains permanent.
Can I try before I buy?
Yes! Our free tier includes 30-day forecasting with limited accounts. Try it out, see if it fits your workflow, then upgrade when you're ready.
YNAB vs. Cash Flow Forecaster: A Quick Comparison
| Feature | YNAB | Cash Flow Forecaster |
|---|---|---|
| Lifetime deal | $99 one-time | |
| 5-year cost (subscription) | $495 | $345 (yearly) or $99 (lifetime) |
| 365-day forecasting | ||
| Credit card utilization tracking | ||
| Built for irregular income | Partial | Core focus |
See our full YNAB comparison →
Ready to Ditch Subscription Fatigue?
Pay once, use forever. Get lifetime access to all Pro features for $99—less than one year of most budgeting subscriptions.