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Cushion adds up your account balances, subtracts the bills due before your next payday, then subtracts your safety buffer. The result is the number you see. It updates instantly whenever you change any input. There is an in-app explainer that shows the exact math.
No. Cushion never asks for a bank login and never connects to any financial aggregator. You enter your balances and bills yourself; everything stays on your iPhone.
On devices that support Apple Intelligence, Cushion phrases the explanation sentence with Apple's on-device Foundation Models. On older devices it uses a built-in static phrasing instead. The number itself is identical on every device.
Open the Settings app on your iPhone, tap your name, then Subscriptions, and select Cushion. You can also restore a previous purchase from Cushion's own Settings screen.
Refunds are handled by Apple. Visit reportaproblem.apple.com, sign in, and select the Cushion purchase.