A modern approach to personal finance — built on systems thinking, designed for real households.
CashFlow exists to give individuals and families a clear, honest picture of their financial lives. We believe that financial awareness is the first step to financial freedom — and that the tools to achieve it should be accessible, intuitive, and built on sound principles.
Unlike budgeting apps that tell you what to do, CashFlow shows you what's happening. Track your stocks (accounts) and flows (transactions), understand the patterns, and make decisions from a position of knowledge.
CashFlow is built on the Stock & Flow model from systems thinking — the same framework used to model climate systems, population dynamics, and supply chains.
In finance, stocks are things you can measure at a point in time — your bank balance, credit card debt, or net worth. Flows are rates of change — income coming in, expenses going out, transfers moving between accounts.
By modeling your finances as stocks and flows, CashFlow gives you a dynamic, real-time view of your financial system — not just a snapshot, but a living model that updates automatically with every transaction.
We show you your financial reality — we don't restrict spending or impose budgets. Knowledge empowers better decisions.
Multi-tenant isolation, encrypted credentials, brute force protection, and strict HTTPS enforcement. Your data stays yours.
Finances aren't solo. CashFlow supports shared access with role-based permissions — perfect for couples, families, and advisors.
Recurring rules, automatic balance recalculation, and signal-driven updates mean less manual work and fewer errors.
27 currencies, automatic exchange rate conversion, and timezone-aware design. Manage finances seamlessly across borders.
Bank sync, scenario simulation, Monte Carlo analysis, and a full REST API are all built in. We keep building what you need.
Account Types
Currencies Supported
Goal Types
Automated Tests
Sign up for a free account and take your first step toward complete financial clarity.