Your money.
A little simpler.

See what you can spend. Make a plan that fits. Keep the everyday details in one place.

Know where you stand.

Accounts, spending and what’s still yours. One clear picture.

Your payday, your bills, your goals. Make space for all three.

Shared expenses, money owed and your history. Less to keep in your head.

Open a topic. Leave the rest for later.

Capture & HistoryAdd it quickly. Find it easily.

A transaction is more than an amount. Record what happened, find it again, and make corrections without losing the story.

Accounts & CardsYour balances, together.

Bring your cash, accounts and credit cards into view. Track transfers, link payment cards and follow balances back to their history.

Cash, current, savings and other accounts, with a default for new rows
Derived balances from an opening balance and the ledger
Transfers as one row with two sides; cross-currency transfers at a rate you state
Reconcile a balance without inventing a transaction
Transactions not in any account sit beside the total, never inside it
Credit cards: balance from charges and payments, utilisation, statement and due calendar
Payment cards kept with the account; the PIN is never stored
Net worth: what you hold less what you owe
Account detail with history, and deletion that explains what would block it

PlanA plan that follows your payday.

Build around your payday. Make space for bills, everyday spending and the goals you care about. Adjust as life changes.

Budget cycles: when pay arrives, monthly, weekly, every two weeks, twice a month, every N days
When pay arrives: each cycle runs from one payday to the next, to the minute — early pay closes it early, late pay keeps it open until the money lands. A monthly cycle on your salary’s day does this by itself
Home asks about the payday from ten days before it, and can be waved away: received today, on another day, partly, or skipped
Income sources: a salary is expected until it is marked received, on the day and for the amount that arrived
Fixed expenses and subscriptions: pay, unpay, skip, pause; month-end-safe schedules
Variable bills that estimate themselves from their own history
Bill calendar, reminders, and what each schedule costs per month and per year
Category budgets, groups, templates, and per-category rollover
Whole-budget carry-over from the previous cycle
Tag ceilings and per-cycle spending limits
Paycheck planning and mid-cycle rescue planning
Sinking funds and savings contribution planning

InsightsSee what the numbers are saying.

Look back at the patterns, compare periods and understand what is changing. Your records give the numbers their meaning.

Home: remaining to spend, a safe daily rate, days left, and a live money figure
Reorderable Home tiles: fixed income, money in, fixed expenses, everyday spending, goals, cards, debt, receivables
Recent activity, people balances, and keep-on-track prompts
Insights by week, month, year or a custom range, against the previous period or the same period last year
Category drilldowns, spending by day, bills and subscriptions history
For you cards, computed on the device: what is trending over, what is owed to you, what is due
Trends across cycles: drift, lifestyle creep, fixed versus chosen, weekend share, biggest movers, budget accuracy
Reports as PDF or CSV for any cycle, in English, Urdu or Roman Urdu
Financial Health: regular and total spending ceilings, cards, debt, savings
A command palette to search and jump anywhere; hardware keyboard commands on iPad and Mac
An Android home-screen widget with the figures you choose

Goals & DebtMake room for later.

Bring savings, sinking funds and debt into the same picture. Explore the tradeoffs before deciding where the next dollar goes.

Forecast: a dated runway to the end of the cycle, from the plan or from a typed cash balance
Every figure labelled confirmed, scheduled or estimated; shortfall risk stated as certain, likely, possible, unlikely, none or unknown
Forecast calendar and what-if scenarios that never touch stored data
Savings goals with target dates, feasibility, and priority-ordered allocation
Sinking funds: “X by date” as a per-cycle contribution
Loans with APR and payoff estimates; linked payment history
Credit cards whose balance comes from charges and payments, never edited in place
Debt payoff studio: snowball, avalanche and a custom order side by side, with an extra-payment slider
A debt-free date the studio refuses to draw when the budget cannot reach it
Priority-aware paycheck allocations

PeopleKeep shared money clear.

Know who paid, who owes what, and what is settled. Keep shared money from becoming a guessing game.

A running two-way tab per person, mirrored into the budget
Several people attached to one shared purchase; payer-aware handling
Receivables: one-off amounts expected, with part payments and overdue tracking
Settled and outstanding histories; settling later is debt movement, not spending
Quick actions: lent money, got paid back, split an expense
A shareable PDF or CSV statement per person
Household: two devices, one shared folder, records attributed by device

Your dataKeep control of your records.

Export, back up, restore or choose to sync. Your money history should be useful wherever you need it next.

Full JSON archive export and atomic restore
Encrypted archives: AES-256, PBKDF2 key derivation, integrity checked before decryption
Backups with receipts, in a checksum manifest
Transactions as CSV, for a cycle or a date range; mapped import of bank CSV files with duplicate checks
Automatic daily safety backups, 30 kept, and a backup before any destructive reset
Folder sync to a location you choose, written atomically, one snapshot per device
Optional cloud sync through a Budget Flow account, off until you sign in
App lock with device biometrics; a Privacy Centre that shows what the app knows
Activity history and undo for supported operations
Light and dark appearance, accent presets, and the app in English, Urdu and Roman Urdu

Ask & HelpA hand when you need one.

Find your way around with the built-in guide. Enable the optional assistant when you want help explaining your figures in words.

Ask Budget Flow: an optional assistant, off by default, that answers from figures the app has already worked out
Questions answered on the device when they can be; nothing is sent because you opened a screen
A hosted answer only when you turn it on, with saved names replaced by placeholders before anything leaves
Answers that quote a number the device did not supply are discarded, not shown
Help Centre: 47 illustrated articles, each with what it is, why, how, every option and an example
The same guide on this website, generated from the same source
English, Urdu and Roman Urdu throughout the app