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Headway guide

How Headway works: accounts, transactions and plans

Headway starts with the information you choose to enter, then turns it into a clearer view of what to do next.

1. Add your picture

Add accounts, income, expenses, bills, debt, subscriptions and goals. You can use manual entry and supported Apple actions.

2. Protect priorities

Headway looks at planned payments, essentials and savings goals before showing flexible spending.

3. Review the runway

Use spending views, cash flow, analytics and safe-to-spend planning to adjust as life changes.

Safe-to-spend example: £1,200 available minus £600 bills, £150 buffer and £100 goal contribution leaves £350, or £25 a day for 14 days.
An illustrative planning example, not a forecast or a guarantee.

Check the workflow before choosing

Try one full pay cycle with a starting balance, upcoming bills and a goal. Record a purchase, then check whether you understand the changed spending estimate. Headway’s screenshot uses demonstration data and does not show another app’s interface.

Headway Focus combines goals and a daily spending guide.
Headway Focus combines goals and a daily spending guide. Demonstration data from Headway 1.0 on iPhone; appearance can be customised.

Read the safe-to-spend method, check the privacy checklist and explore Headway’s iPhone workflow.

Comparisons are written by Headway’s maker from current product information, not independent reviews. Read our editorial and corrections policy.

Quick answers

How Headway works FAQ

What is how headway works?

A simple system for planning the money you have. Headway starts with the information you choose to enter, then turns it into a clearer view of what to do next.

Is Headway available on Android?

Headway is only available on iOS at this time and is not available on Android.