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Flex Cashflow
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Offline-first · no bank login

You type it in.It all adds up.

Flex Cashflow is a ledger you keep yourself — every account, currency, bill, loan and holding, resolved into one net worth that nobody else can see.

Download on theApp StoreGet it onGoogle Play

Also on the web app · desktop

Flex Cashflow home screen showing an estimated net worth of $87.94K across cash, investments and debts
Manual-first
You enter every balance and transaction
Works offline
Your ledger lives on device
Everywhere
iOS, Android, desktop and web
One number, and the four that make it

Estimated net worth

$87.94K

Balances in three currencies, a car loan and a brokerage account — one figure, recalculated the moment anything changes.

Cash
$96.86K
Investments
$19.49K
Owed to me
$1.70K
I owe
−$30.11K
How it works

Five things, then it runs itself

  1. 01

    List what you hold

    Cash, bank, cards, mobile money — added by you. Your ledger, your entries, on your device.

    Flex Cashflow accounts screen listing Chase Total Checking, Chase Savings and Marcus HYSA with balances
  2. 02

    Log what moves

    Income, expenses and transfers in two taps — or paste an SMS, scan a receipt on mobile.

    Transactions screen showing a month of entries grouped by day
  3. 03

    Set guardrails

    Category budgets, recurring bills, savings goals and payment plans for the big instalments.

    Budgets screen showing wedding, home office and holiday budgets with progress bars
  4. 04

    Read the month

    Burn rate, spend pressure, scheduled in-and-out — a clear read on whether you will make it to payday.

    Analytics screen with a daily in-and-out bar chart and insight cards
  5. 05

    One net worth

    Every account, currency, loan and holding resolved into a single number on home.

    Home screen with the estimated net worth arc at $87.94K
What you get

Real surfaces, not screenshots of a roadmap

  • Track
  • Budget
  • Grow

Everything below ships today. These are the actual components from the app.

Net worth

Estimated Net Worth$87.94K
  • Cash$52.40K
  • Investments$38.10K
  • I owe$2.56K

USD in Chase, EUR in N26, crypto on an exchange, a car loan — rolled into one number.

Bills

Phone Bill — Verizon

Active

Chase Total Checking

-$65.00

Monthly on the 7th · next 7 Aug 09:00

Verizon on the 7th every month — due dates before the charge clears.

Cashflow

Cashflow

This month · USD

$5.05K

Income

$6.83K

Expenses

$1.78K

Income against expenses this month, with burn rate and spend pressure.

Savings goals

New Car Down Payment

Flexible saving

Saved

$3,200.00

Goal

$8,000.00

Goal progress40%

A car down payment at 40% with a deadline and contributions.

Multi-currency

United States Dollar

Cash · primary

$92.75K

Each transaction keeps the rate it was booked at.

Subscriptions

Disney+

Inactive

Current plan · Basic

$13.99

Monthly · paused

Disney+ paused until you turn it back on.

Everywhere

Same ledger on the couch and at the desk

iOS and Android for capture, desktop and web for the monthly read. Pair over Wi-Fi, or turn on cloud sync with Pro.

  • iOS
  • Android
  • macOS
  • Windows
  • Linux
  • Web
Download for desktop
Flex Cashflow on desktop: net worth, income and expenses, cashflow chart and spend by category
Portfolio screen showing $87,936.82 split across USD, EUR and TZS holdings
Investments

What you own counts, not just what you spend

Shares, funds and crypto live in the same ledger as your current account, so the net worth on your home screen is the whole picture rather than the cash half of it.

  • Units and cost basis

    Record what you bought, at what price. Gains are computed, not guessed.

  • Target quantities

    Set the position you are working toward and watch the gap close.

  • Priced in your currency

    Holdings in any currency resolve into the one figure on home.

Pricing

Free forever. Pro when you outgrow one device.

Free

$0always

The whole ledger, on one device.

  • Accounts, transactions, budgets and bills
  • Loans, instalment plans and savings goals
  • Investments inside your net worth
  • Multi-currency with stored exchange rates
  • iOS, Android, desktop and web
Start free

Pro

$4per month

Add sync, live rates and the assistant.

  • Encrypted cloud sync across every device
  • 1 GB receipt and document vault
  • Live exchange rates
  • AI assistant for entry and month reviews
  • Priority support
Go Pro
Questions

Before you download

  • You add accounts, balances and transactions yourself. Flex Cashflow is a manual-first ledger — your data stays on your device.

  • Yes. Everything lives on your device, so you can add transactions on a plane and they reconcile when you are back online.

  • Every transaction stores the rate it was booked at, so historical reports stay accurate as rates move. Live rates are available with Pro.

  • iOS and Android, plus a desktop app and the web app — the same encrypted data on each.

  • The core ledger is free: accounts, transactions, budgets, bills, loans, investments, net worth and multi-currency with stored exchange rates. Pro adds encrypted cloud sync, live exchange rates and the AI assistant.

All questions · What’s new

Start yourledger.

Free on iOS, Android, web and desktop. Pro adds cloud sync, live rates and AI.