flow /flō/ — AI bank statement parsing

Master your cash.
never fear disconnects.

Flow parses bank statements with AI to calculate a clear, daily safe-to-spend figure from your actual cash. No Plaid. No password sharing. Zero bank disconnects.

Calculate My Safe-to-Spend Free →Explore Features

flow.stardustpath.com — Live DeskLOCAL VAULT

Today's Safe-to-Spend

$142.50 / day

18 days remaining until next income deposit

Liquid Cash

$5,420.00

Pre-Reserved Bills

-$1,860.00

✓ AI Statement ParsedZero Plaid

25 MB

max statement file size

<4.2s

average AI extraction time

100%

local privacy guarantee

The Agony of Old Finance Apps

Bank credentials break. Flow just works.

Traditional Budget Apps

✕Plaid connections break every week, locking you out of your data.
✕Forces you to hand over online banking passwords to third-party data brokers.
✕Confusing category budgets that force you to guess spending limits.

The Flow Studio Solution

✓Drop in any PDF or CSV statement. Flow AI parses it in seconds.
✓Zero password sharing. Your banking credentials stay strictly with your bank.
✓One exact number: your daily Safe-to-Spend after pre-reserving fixed bills.

How Flow Works

3 simple steps to financial clarity.

Drop In Any Bank Statement

Upload a PDF, CSV, or statement image. Flow accepts statements from Chase, Bank of America, Wells Fargo, Revolut, and 500+ global institutions.

AI Isolates Fixed Commitments

Flow's AI separates fixed monthly bills, rent, and subscriptions from your raw liquid cash balance in under 4 seconds.

Know Your Daily Safe-to-Spend

Get an exact daily spending boundary. Spend with 100% confidence knowing your upcoming bills are pre-reserved.

Capabilities

Real cash, calculated clearly.

01parsing

statement_chase.pdf142 transactions

parse_speed<4.2s AI engine

privacy100% local processing

Universal Statement Ingestion

PDF, CSV, scanned images.

Flow's AI extracts transaction tables from header and footer noise across any bank. Up to 25 MB per file.

02calculation

liquid_cash$5,420.00

fixed_bills-$1,860.00

safe_daily$142.50 / day

Safe-to-Spend Engine

Real cash velocity.

Calculates liquid cash minus fixed commitments divided by days remaining until payday. A single clear number.

03forecast

30_day_floor+$3,560.00

60_day_floor+$2,890.00

90_day_floor+$2,100.00

Liquidity Curves

30, 60, 90-day trajectory.

Interactive projection curves showing future cash balance based on recurring commitments and spend rate.

04subscriptions

netflix.com$22.99 (+$3.00 hike)

github.com$10.00 (unchanged)

aws.amazon$42.10 (recurring)

Price-Hike Alerts

Automated audit.

Detects monthly, quarterly, and annual recurring billing cycles and flags silent price increases inline.

05sync

stream_idflow_spend_daily

correlationspend vs anxiety (r=+0.64)

sync_statusactive 24/7

MetricBlend Sync

Lifestyle correlation.

Streams daily spending totals into MetricBlend to correlate financial stress against sleep and focus.

FAQ

Everything you need to know.

Transparent Pricing

Simple, honest plans.

Free Desk

Full core functionality, daily safe-to-spend LIVE calculation, statement AI parsing, and local JSON export.

Calculate My Safe-to-Spend Free →

Pro Desk

$7.99 / mo

Unlimited AI statement uploads, 30–90 day liquidity projection curves, subscription price-hike alerts, and MetricBlend sync.

Get Pro Access Now →

Master your cash. never fear disconnects.