CashFlow

Powerful Features for
Smarter Money Management

Everything you need to track, analyze, and grow your finances — built on a proven financial model.

Core Engine

Automatic Balance Recalculation

Every transaction you create, edit, or delete instantly triggers a recalculation of affected account balances. No manual updates needed.

  • Signal-driven — balances stay in sync automatically
  • Snapshot anchoring — recalculate from a known good point
  • Pending transaction exclusion — only confirmed transactions affect balances
  • Atomic operations — race conditions prevented with database locking
  • Unified formula for assets and debts — negative-balance convention
Accounts

10 Account Types, One Dashboard

From everyday checking accounts to mortgages and investment portfolios — track every financial account in one place.

  • Checking, Savings, Credit Cards, Loans, Mortgages
  • Investment accounts, E-Wallets, Prepaid cards
  • Credit limit, interest rate, and minimum payment tracking
  • Manual balance updates with snapshot history
  • Per-account currency support
  • Assign accounts to individual household members or mark as joint
Transactions

Every Flow, Categorized

Record income, expenses, and transfers with rich metadata. Search, filter, and categorize every money movement across all your accounts.

  • Three flow types: income, expense, and transfer
  • Hierarchical categories with custom colors and icons
  • Full-text search on descriptions
  • Filter by type, account, category, and date range
  • Pending transaction support
  • Tags and notes for extra context
Automation

Set It and Forget It

Define recurring rules for your regular income, bills, and subscriptions. Transactions are created automatically on schedule.

  • 7 frequencies: daily, weekly, bi-weekly, monthly, quarterly, semi-annual, annual
  • Idempotent generation — no duplicate transactions, ever
  • Upcoming bills dashboard widget (next 14 days)
  • Start and end dates for time-bounded rules
  • Next due date tracking and automatic advancement
Global

27 Currencies, One Net Worth

Track accounts in different currencies and see your total financial picture converted to your home currency automatically.

  • 27 currencies pre-loaded (ISO 4217)
  • Daily exchange rates with date-based lookups
  • Automatic forward and reverse rate conversion
  • 1-hour exchange rate caching for performance
  • Net worth report normalizes all accounts to one currency
Analytics

Insights That Drive Action

Understand where your money goes with cashflow summaries, spending breakdowns, and monthly trend charts.

  • 30-day cashflow summary on the dashboard
  • 6-month income vs. expense bar charts
  • Spending by category with color-coded breakdowns
  • Configurable cashflow reports (1–24 months)
  • Net worth report with asset/liability separation
  • Savings rate calculator (90-day rolling)
Planning

Know What's Coming

Project future account balances based on your recurring rules and optimize your debt payoff strategy.

  • Balance forecaster — project up to 6 months ahead
  • Recurring rules converted to monthly equivalents
  • Debt payoff optimizer with two strategies
  • Avalanche — pay highest interest rate first (save money)
  • Snowball — pay smallest balance first (build momentum)
Goals

Set Targets, Hit Milestones

Define savings targets, debt payoff goals, and net worth milestones. Track your progress visually and celebrate wins along the way.

  • 6 goal types: savings, debt payoff, net worth, emergency fund, investment, custom
  • Target amounts and dates
  • Progress percentage visualization
  • Intermediate milestones within goals
  • Link goals to specific accounts
  • Priority ordering
Security

Your Data, Protected

CashFlow is built with security at every layer — from brute force protection to encrypted credential storage and strict tenant isolation.

  • Role-based access control (owner, member, viewer)
  • Multi-tenant isolation — household data is strictly separated
  • Brute force protection (account lockout after 5 failures)
  • HTTPS enforced with HSTS in production
  • Fernet encryption for stored credentials
  • CSRF, XSS, and clickjacking protection
  • POST-only state mutations — no GET side effects

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