The Budgeting App That Shows What You Can Safely Spend
Track spending, debt, and goals in one place - and always know exactly what you can safely spend.
Why most people stay broke
It's not income. It's a lack of system.
You overspend every month and only realise when it's too late
See exactly what you can spend right now - after bills, debts, and goals are covered.
Your debt feels endless with no payoff date in sight
Enter your balance and rate - see your exact payoff date and how much extra payments save.
You have savings goals but no idea if you're on track
Set a target and deadline, log contributions, and see if you're on track to hit it.
Subscriptions and bills drain your account silently
See every subscription and bill in one list, with alerts before renewals catch you off guard.
Seven categories. One complete financial picture.
Every way money moves in your life - tracked in one place.
Spending
Set a monthly budget per category. Get warned before you overspend - not after.
Goals
Set a savings target and a deadline. See whether you're on track or falling behind.
Investments
Track cumulative contributions to stocks, crypto, and funds - see your total invested grow, not market swings.
Debts
Track balance, payments, and your exact payoff month. No more guessing when you'll be free.
Subscriptions
List every recurring charge. Know the monthly cost and get renewal alerts 3 days early.
Bills
Track variable bills like electricity and water - see at a glance if this month's higher.
Income
Log your monthly income. Powers the Safe-to-Spend calculation so you always know what's available.
The features that actually change behaviour
Tracking categories is the input. These are the outputs that tell you what to do next.
Safe-to-Spend
Income minus every committed expense - bills, debts, goals, subscriptions - minus what you've spent. One number.
Net Worth
Assets (investments + goals) minus liabilities (debts). Updated monthly. Know where you stand.
21 Achievements
Earn badges for staying on budget, paying off debt, and building wealth - track your Wealth Score.
Upcoming Payments
See every bill, subscription, and debt payment coming in the next 7 or 30 days.
Debt Payoff Date
Enter your interest rate and see your exact payoff date - plus how much extra payments save. Free for every debt.
Strategy Comparison
Compare snowball vs avalanche to find the fastest way to pay off multiple debts at once.
Weekly AI Tips
AI analyzes your actual spending, goals, and debt each week and sends one personalized coaching tip.
Already tracking their finances with MoneyFlow - 100+ early users
Your Net Worth, Achievements, and Status - All in One Screen
See your net worth, Wealth Score, and every category's status - on track, over budget, or behind - all in one screen. Pro adds a 12-month trend chart and weekly AI insights.
Your data lives on your device - no broken bank connections, ever
Core features are free
All 7 categories, Safe-to-Spend, achievements - no paywall
No ads. Ever.
Revenue comes from Pro subscribers, not your attention
From the blog
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Frequently asked questions
Is MoneyFlow free?
Core features are free forever - all 7 category types, Safe-to-Spend, achievements, and upcoming payments. Pro is an optional upgrade that unlocks weekly AI insights, net worth trend chart, debt strategy comparison (snowball vs avalanche), and CSV export.
Does MoneyFlow work offline?
Yes. MoneyFlow is offline-first and all your data is stored on your device. Sign in to enable automatic cloud backup and sync across devices - it's optional.
Is my financial data safe?
MoneyFlow doesn't require you to link a bank account - you can track everything with manual entry, and your data stays on your device unless you opt into cloud sync.
What platforms does MoneyFlow support?
MoneyFlow is available on both iOS and Android.
What's Safe-to-Spend?
Safe-to-Spend is your income minus every committed expense (bills, debts, goal contributions, subscriptions) minus what you've already spent this month. It tells you exactly how much you can spend right now without breaking your budget.
Stop guessing. Start knowing.
Free, offline, and ready in under 2 minutes. Upgrade to Pro anytime for AI tips, debt strategy, and net worth trends.