How it works
Getting started is easy
Four simple steps to transform your relationship with money. No financial expertise required.
Create your account
Sign up in seconds with just your email. No complicated forms or verification hoops to jump through.
Connect your accounts
Securely link your bank accounts and credit cards. We use bank-level encryption to keep your data safe.
Set your goals
Define your savings goals and budget limits. Whether it's a vacation or emergency fund, we've got you covered.
Watch your money grow
Get insights, track progress, and celebrate wins. Our smart tips help you save more without the stress.
Features
Everything you need to master your money
Powerful tools wrapped in a simple interface. Built for people who want to spend less time worrying about finances.
Expense Tracking
Automatically categorize and track every transaction. See where your money goes in real-time.
Savings Goals
Set personalized savings goals and watch your progress with visual milestones and celebrations.
Smart Budgets
Create flexible budgets that adapt to your lifestyle. Get alerts before you overspend.
Bill Reminders
Never miss a payment. Get timely reminders for upcoming bills and subscriptions.
Recurring Insights
Identify subscriptions you forgot about and opportunities to save on recurring charges.
Instant Sync
Real-time updates across all your devices. Your finances, always at your fingertips.
Multi-Account
Link all your accounts in one place. Get a complete picture of your financial health.
Bank-Level Security
256-bit encryption and read-only access. Your data is protected with enterprise-grade security.
The Dashboard
Everything You Need. Nothing You Don't.
One screen. Complete clarity. No finance degree required. Click the hotspots to explore.
Financial Advisor
AI-powered guidance with memory
Ah, I see you're facing a bit of a cash flow crunch this month. With monthly expenses of $8,043 exceeding your $6,660 in income, you're looking at a shortfall of $1,383. Let's take a look at where we can trim some fat...
Net Worth
$1,320.88
Total across all accounts
Monthly Income
+$6,660.23
December 2025
Monthly Spend
$8,043.22
-$1,382.99 net
Daily Spending
Expenses by day for December
Top Categories
Where your money went
Monthly Budget
$8,043 of $5,000 spent
-$3,043
over budget
Your Financial Journey, Your Pace
Choose the plan that matches where you are today. Upgrade anytime as your needs evolve—no contracts, no hassle, just progress.
Foundation
Build your financial awareness
Everything you need to understand where your money goes. Connect your accounts, track your spending, and build the habits that lead to financial clarity.
What's included:
- Up to 2 connected bank accounts
- Automatic transaction syncing
- Standard transaction categorization
- Monthly spending overview
- Basic budget tracking
- Net worth snapshot
- Mobile responsive design
Momentum
Pick up speed with smarter tools
Stop fighting with spreadsheets and manual categorization. Momentum learns your spending patterns, remembers your preferences, and handles the tedious work so you can focus on what matters.
Everything in Foundation, plus:
- Unlimited connected accounts
- Auto-learning categorization
- Custom budget categories
- Debt tracking & payoff planning
- Spending analytics & trends
- CSV data export
- Email support
Growth
Master your money with AI guidance
Meet your AI financial advisor. It remembers your goals, tracks your progress, and gives personalized guidance based on your actual spending patterns. Like having a financial coach who's always available and never judges.
Everything in Momentum, plus:
- AI Financial Advisor
- Conversation history
- Quick insights on dashboard
- Advanced spending insights & analytics
- Pattern detection & alerts
- PDF report exports
- Priority email support
Prosperity
Complete financial command for your household
Shared family budgets, AI guidance, and the advanced tools that power users need. Whether you're managing finances with a partner or optimizing every dollar, Prosperity gives you complete control.
Everything in Growth, plus:
- AI Financial Advisor
- Full conversation history
- Household members
- Shared budgets & financial goals
- Household dashboard
- Advanced reporting & forecasting
- API access for integrations
- Dedicated support channel
Compare Plans
Ready to take control of your finances?
Start with Foundation—it's free forever. Upgrade when you're ready.
Questions
Fair Questions, Honest Answers
No corporate-speak. No dodging. Just the stuff you actually want to know.
You've got questions. About security (fair—you're connecting your bank). About what happens if you want to leave (also fair—some apps make that weirdly hard). About whether this actually works or is just another app you'll abandon in two weeks (extremely fair—we've all been there).
Here's everything we'd want to know if we were in your shoes.
The Security Questions
The "How It Works" Questions
The "What If" Questions
The Pricing Questions
The "Is This Actually Useful" Questions
Still have questions?
Email us at hello@flowfinancial.app and a real human will get back to you—usually within a day.