What’s new

This isn’t a list of updates. It’s the first public version of Flex Cashflow.

Most money apps start in the cloud and treat your phone as a window. This one starts on the device. Add accounts, log what came in and went out, and see a net worth that looks like your actual life — without creating an account first.

Your money

• Accounts in more than one currency, in one net worth
• Income, expenses, and transfers
• Categories — and packs, if you’d rather not build them from scratch

What repeats

• Budgets you can actually spend against
• Bills and subscriptions — active or paused
• Payment plans, so you can see what’s coming due
• Savings goals that fill up in front of you

The longer game

• Loans, watching the balance pay down
• Investments you actually hold
• Occasions and tasks, if money shows up there too

Making sense of it

• A home screen you can rearrange
• Analytics: where the month went, not just that it went
• Files on records, notifications, a calculator
• English and Swahili
• Lock the app with biometrics

Other devices — free

• Pair a phone, web, or desktop on the same Wi-Fi
• Export a backup, import it, or move to a new device

Pro

The ledger is free. Pro is optional — it doesn’t sit in front of tracking.

• Cloud sync and a 1 GB vault — the same money on your other devices, without needing the same Wi-Fi
• Live exchange rates
• AI assistant — chat, voice, a photo or PDF, then changes you review before anything is saved

If something’s missing or broken, say so from the menu. We read it.