Track accounts, automate bills, simulate scenarios, and optimize debt — all in one place. Powered by the Stock & Flow method.
A complete financial toolkit for individuals, couples, and families — built on a proven financial model.
Track checking, savings, credit cards, loans, investments, e-wallets, and more. 10 account types with real-time balance updates.
Record income, expenses, and transfers / payments with automatic balance recalculation. Filter, search, and categorize every money movement.
Set up bills, subscriptions, and salary with 7 frequency options. Transactions are generated automatically — never miss a payment.
Monthly cashflow charts, spending by category, income breakdowns, and net worth reports with up to 24 months of history.
27 currencies supported out of the box. Automatic exchange rate conversion for accurate net worth across all your worldwide accounts.
Set savings targets, debt payoff goals, and net worth milestones. Track progress visually and stay motivated with milestone markers.
Create what-if scenarios to model income changes, expense adjustments, and one-time events. Compare outcomes side by side.
Run 1,000 probabilistic iterations to stress-test your finances. Get P10/P50/P90 confidence intervals and goal achievement probability.
Access your financial data programmatically with a full REST API. Token authentication, rate limiting, and 30+ endpoints for accounts, transactions, and analytics.
CashFlow is grounded in systems thinking. Your accounts are stocks — things you can measure at a point in time. Transactions are flows — the rates of change that move money in and out.
This model gives you a complete, real-time picture of your finances. Every transaction automatically updates account balances. Every balance feeds into your net worth. Every trend tells a story.
Explore the EngineAccount Types
Currencies
Monte Carlo Iterations
Forever Plan
From zero to full financial visibility in under five minutes.
Sign up in seconds. Your household is created instantly — invite family members later with role-based access.
Add your bank accounts, credit cards, and loans. Set opening balances and start tracking everything in one place.
Record transactions, view reports, set goals, simulate scenarios, and watch your financial health improve over time.
Here's what our beta users have to say about managing finances with CashFlow.
"Finally a finance app that doesn't just tell me to budget — it shows me what's actually happening. The scenario simulator changed how I make big financial decisions."
"The Monte Carlo simulation helped me understand the range of outcomes for my savings goals. No other free tool I've seen does this — it's genuinely powerful."
"My partner and I use the household feature together. The viewer role is perfect — I handle the books, she stays informed. The multi-currency support is a huge plus for us."
CashFlow is built for households, not just individuals. Invite your partner, family members, or financial advisor to collaborate on your finances with granular role-based access.
All data is securely scoped to your household. Members see only what they should — enforced at the database level on every request.
Join CashFlow and start building a clearer, more complete picture of your financial life — today.
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