Universal Ingestion
PDF, CSV, scanned images. Flow's AI extracts transaction tables from header and footer noise.
Personal Finance Studio
Know Your Safe-to-Spend.
Flow parses bank statements with AI to calculate a clear, daily safe-to-spend figure from your actual cash. No Plaid. No password sharing. No bank disconnects.
Real Cash, Calculated Clearly
Most budgeting tools force you to link bank accounts, only to fail when 2FA drops or banks block connections. Flow takes a cleaner path.
Drop in any statement—PDF, CSV, or image. Flow extracts transactions, separates fixed reserves from free cash, and gives you one actionable number for today.
No Account Linking
No third-party aggregators scraping credentials or selling transaction data.
Daily Safe-to-Spend
Liquid cash minus upcoming bills divided by days remaining until income.
30–90 Day Projection
Liquidity curves showing future cash trajectory with variable scenario testing.
Built for Precision
Traditional finance apps obscure your true position behind pending charges and confusing categories. Flow concentrates on your actual cash velocity.
Pillar
Statement Ingestion
PDF, CSV, scanned image — up to 25 MB per file. Import any bank's format effortlessly.
Pillar
Safe-to-Spend
Segments liquid cash into reserves vs. daily burn limit. A clear number you can act on.
Pillar
No Disconnects
No Plaid, no password sharing, no 2FA drops. Your financial data stays private on your terms.
25 MB
Max file size per statement PDF/CSV
<5 sec
Average AI extraction time
100%
Local privacy, zero credential storage
Six Purpose-Built Modules
Everything you need to master cash velocity without distraction.
Accounts Desk
Checking, savings, credit card, and cash wallet with real-time net position reconciliation.
Safe-to-Spend Engine
Calculates liquid cash minus fixed commitments divided by days remaining until payday.
Liquidity Forecast
30-, 60-, and 90-day cash flow projection curves with interactive scenario sliders.
Subscription Tracker
Detects monthly, quarterly, and annual recurring billing cycles with price-hike alerts.
MetricBlend Sync
Streams daily spending totals directly into MetricBlend for personal lifestyle correlation.
Who Flow Is Built For
The Conscious Spender
People who want absolute clarity on daily cash velocity without logging into five bank apps.
The Privacy First Builder
Individuals who refuse to hand bank logins to data brokers like Plaid or Yodlee.
The Freelancer & Creator
Solopreneurs managing variable cash flow who need safe-to-spend calculations on demand.
Transparent Pricing
Start with full core functionality for free. Upgrade to Pro for unlimited AI statement processing and advanced cash projections.
Starter
$0
- Accounts desk & balance tracking
- Daily safe-to-spend live calculation
- Baseline AI statement parsing quota
- CSV & JSON data export
Pro
$7.99 / mo
- Everything in Starter
- Unlimited AI statement parsing
- 30 / 60 / 90-day cash flow projection
- Subscription price-hike alerts
- MetricBlend daily spending stream sync