Personal finance for Android
Your money. In motion.
Banks, cards, e-wallets, installments, loans and goals in one calm place, each in its own currency. FinFlow shows what's safe to spend, what's due next, and keeps every record on your phone.
- Assistant works offline
- No accounts, ads or tracking
- Every account in its own currency
Why FinFlow
One clear picture of your money
Your money is spread across banks, cards, e-wallets, cash, pay later, loans and people, often in more than one currency. Each banking app shows one slice, and none of them tells you what you can safely spend. FinFlow puts it all in one place.
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"How much do I actually have?"
Banks, cards, savings, e-wallets, cash, loans, pay later, even a car or money a friend owes you add up to one total. Each account keeps its own currency, so pesos and dollars add up correctly.
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"Can I afford this?"
Your balance isn't free money if rent and a card bill are due next week. Safe to spend takes out upcoming bills, statements, set-aside money and budgets. Ask the assistant "can I afford it?" before you buy.
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"What's due, and when?"
Bills, card statements, pay-later parts, loan payments and money you owe people sit in one Upcoming payments list. Payment reminders warn you days ahead and on the due date, so late fees stop.
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"Where did my money go?"
Bank texts become entries, a receipt photo fills in the details, and "50 for gas" logs itself. Categories are picked for you, and budget alerts warn you before you overspend.
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"I need a proper statement"
Reports turn any week, month, quarter or year into a full statement: cash flow, savings rate, categories, accounts, net worth, budgets, loans, people and every transaction. Save, print or share it as a PDF for a loan, visa, landlord or your accountant.
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"Instalments and debt get confusing"
Split purchases, card instalments, loans with interest and money lent to friends each keep a schedule, what's left and who owes whom, so debt never piles up quietly.
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"I want to save, but nothing's left"
Goals, money set aside for what's coming, saving challenges and a money coach that nudges you at risky times build saving into the month, instead of hoping something is left over.
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"I don't trust finance apps with my data"
Everything stays on your phone. No account, no ads, no tracking and no bank login. The assistant works offline, backups are encrypted, and the PC Manager only runs on your own Wi-Fi.
Made for anyone juggling several accounts, cards or currencies: expats, freelancers, families sending money home, and anyone using pay later or loans who is tired of being surprised by bills.
Key highlights
Everything you need in one beautiful app
A complete, privacy-first personal finance app: accounts and cards, spending, budgets, bills, split purchases, people, loans, assets, goals, reports, an offline assistant and a PC view, all kept on your device.
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Smart Home & Safe to Spend
Total balance with a 30-day trend, what's safe to spend for the rest of the month, upcoming payments, and a Next month card that shows every bill, budget, plan and set-aside amount.
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Every Kind of Account
Banks, debit and credit cards, savings, e-wallets, cash, pay later, loans, people, investments, assets and custom accounts, each in its own currency.
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Offline Assistant & Money Coach
Ask questions by text or voice, log spending in a sentence, check a purchase before buying, and get reminders and saving challenges, all on your phone.
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Private & Encrypted
Your records stay on this phone. No accounts, ads or tracking. Card numbers and CVVs are encrypted, and backups to your own Google Drive are locked with your passcode.
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PC Manager
Open FinFlow in any computer browser on the same Wi-Fi to view and manage everything on a big screen.
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Payment Reminders
A heads-up days before and on the due date for bills, card statements, pay-later parts, loans and money set aside. Turn it off for any single bill.
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Log in Seconds
Bank texts become entries, a receipt photo fills in the total or splits the bill, and "50 for gas" logs itself. Categories are picked for you, and you can import a CSV.
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Pay Later, Loans & People
Split purchases, card instalments, loans with interest and money lent or borrowed, each with its schedule, what's left and who owes whom.
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Budgets & Goals
Budgets that warn you at 80% and 100%, goals with their own savings, money set aside for what's coming, and saving challenges.
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Reports & PDF
A full statement for any week, month, quarter or year: cash flow, categories, accounts, net worth and every transaction. Save, print or share it as a PDF.
A look inside
Calm screens for busy money
PC Manager
FinFlow on your computer
Your phone hosts a private page for any browser on the same Wi-Fi: dashboard, transactions, accounts, budgets, goals, reports, people, loans, assets and more, with an optional access code.
What's in version 1.0
Built for real-life money
Multiple currencies, credit card statements, split purchases, money between friends and family. FinFlow covers the parts other trackers leave out.
Home & Everyday Tracking
- Add Anything FastAdd expenses, income and transfers with a built-in calculator, autocomplete, notes and receipt photos. Hold the + button for more ways to add.
- Search & EditFind any transaction, then edit, duplicate or delete it. Swipe left or right to move between days, months or years.
- Upcoming PaymentsCard statements, installments, loan payments, repayment plans and bills due soon, with countdowns and category icons.
- Reminders & Quick AddDaily reminder to log spending, card payment reminders, and a quick-add notification for one-tap entries.
- Home-Screen WidgetsBalance, budgets, upcoming payments and quick actions on your home screen, with styles, opacity and hidden amounts.
Accounts & Cards
- Banks, Wallets & Stock CardsPick from UAE and Philippine banks and wallets, choose a stock card design, or use your own card photo taken inside the app.
- Credit Card StatementsStatement and due days, the amount to pay and when, outstanding balance, credit limit, and setup for an existing card's current statement.
- Full Numbers & CVVOptionally keep full card and account numbers, IBAN, SWIFT and CVV, encrypted on this phone and shown only when you ask.
- Family Cards & Linked Debit CardsAdd a family member's card under yours, link debit cards to their bank account, and freeze a card you're not using.
- Savings PocketsKeep several savings pockets inside a bank account or e-wallet, each with its own balance.
- Groups, Statements & Net WorthGroup and reorder accounts, keep statement files (SOA) with each account, hide accounts, and leave any account out of net worth.
Transfers & Set-Aside Money
- Transfers with FeesMove money between accounts and add the bank's transfer fee, recorded as its own expense.
- Balance AdjustmentsCorrect a balance without counting it as spending or income.
- Payment AllocationsSet money aside in an account for upcoming bills and payments. Allocations are removed with the bill or budget they belong to.
Split Purchases & Pay Later
- Installments (2–60 Payments)Split purchases on cards, pay later (Tabby, Tamara), loans, people and custom accounts, with a full payment schedule.
- Convert to InstallmentsTurn an existing card expense into an installment plan, and pay any split purchase from another account.
Bills & Repeating Payments
- Repeating Bills & IncomeDaily, weekly, monthly, yearly or your own schedule, with an end date if you need one.
- Record EarlyRecord a bill before it's due. It's marked in amber until the due date, then turns green.
- Linked TransactionsLink a transaction to its bill so it's counted as paid.
People
- Lend & BorrowTrack money you lend to or borrow from people, with hints on what to do next.
- Repayment PlansPay someone back, or get paid back, in monthly parts. The plan stops when the balance reaches zero.
- Split ReceiptsScan a receipt and split it between several people who owe you.
- Write-Offs & OverpaymentsForgive a debt, or pay back more than you owe and split the extra automatically.
Loans & Assets
- Loans with InterestReducing, flat or no interest, balloon payments, extra payments, early payoff and late fees, with a full schedule.
- Remind or Auto-RecordGet reminded of each loan payment, or record it automatically from an account you choose.
- Vehicle & Asset LoansAdd a car or anything bought with a loan, including the down payment and where the money went.
- Asset Value & CostsLet an asset lose value each year automatically, add yearly costs like insurance and registration, and record a sale or trade-in.
Budgets & Goals
- Flexible BudgetsMonthly category limits with carry-over, budget health and budget alerts.
- Goals Saved in Your AccountsKeep several goals in any account that holds your money. Goal money isn't counted as safe to spend, and FinFlow warns you if an account falls short.
Insights & Reports
- InsightsSpending by category with donut charts, trends, merchants, day-of-week patterns and month-over-month changes.
- Debt OverviewAll your debts in one place, with payoff progress and interest, ranked by interest rate.
- Full Reports & PDFCash flow, categories, accounts, net worth, budgets, goals, people, loans and assets for any period. Save or share as a PDF.
Assistant & Money Coach
- FinFlow AssistantWorks offline. Answers questions about spending, budgets, bills, people, loans and goals, spots double charges and unusual purchases, and explains how to use every feature.
- Voice & Quick LogAsk by voice or log spending in plain words, like "lunch 25".
- Receipt ScanningRead a receipt's items and total on your phone, then add or split it.
- Money CoachSafety buffer, check a purchase before buying, saving challenges, and optional reminders when you arrive at places you mark.
Bank Alerts
- Bank SMS & NotificationsOptionally read bank texts and app notifications to suggest transactions, matched to the right account by card number, or added automatically.
Backup, Security & Privacy
- Encrypted BackupsManual and automatic backups to Google Drive or a file, encrypted with your backup passcode and a recovery key. Restore on any phone.
- Import & ExportImport transactions from other apps and export to a spreadsheet (CSV).
- App Lock & Hidden AmountsLock FinFlow with fingerprint, face or screen lock, keep it out of screenshots, and hide amounts in the app or on widgets.
- Privacy Policy & TermsRead the Privacy Policy and Terms of Service anytime in About FinFlow, even offline.
Personalize
- Themes & FontsLight, dark or system theme, color accents, gradients on or off, and FinFlow's font or your phone's.
- Make It YoursChoose your home currency, when your month starts, what Home shows, your start screen, animations, haptics and swipe gestures. Search settings to find anything fast.
- Categories & IconsEdit categories and subcategories, move subcategories, and pick from a large icon library or your own images.
PC Manager
- FinFlow on Your ComputerYour phone hosts a private page for any browser on the same Wi-Fi: dashboard, transactions, accounts, budgets, goals, reports, people, loans, assets and more, with an optional access code.
Privacy first
Your finances stay yours
FinFlow goes online only for exchange rates and the Google Drive backups you turn on. Everything else happens on your phone.
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Records stay on your phone
Your financial records live in FinFlow's private storage. We don't run servers that receive them.
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No accounts, ads or tracking
No sign-up, no advertising and no analytics. We don't sell or share your data.
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Encrypted card details
Full card and account numbers and security codes are encrypted with a key held in your phone's Android Keystore.
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Encrypted backups
Backups are encrypted on your phone with your backup passcode and a recovery key before they're saved or uploaded.
Coming soon to Google Play
FinFlow 1.0 is getting ready for the Play Store. Have a question or an idea? We'd love to hear from you.