Free to start · No subscription needed · Works worldwide
Track your money.
Know your taxes.
Grow your savings.
For freelancers earning in multiple currencies, expats navigating foreign tax systems, and students in markets where Open Banking does not exist.
20 countriesBank sync optionalCrypto in net worthAI advisorFree forever
What you get
Built for how people actually earn — not just 9-to-5 salaries.
Every feature exists because someone needed it and no existing app had it.
AI that reads your actual numbers
Not generic tips. The AI sees your real transactions, debts and goals, then tells you exactly what to fix.
Tax calculator for 20 countries
Real 2024/25 brackets for Germany, the UAE, India, the UK, the USA, France, Canada and 13 more. Quarterly estimates. Deduction tracking.
MRR and ARR for freelancers
Track recurring income from clients next to your personal finances. See ARR projections and a client breakdown in one place.
Works with any bank
Import a CSV from any bank in the world or add transactions by hand. Bank sync is optional (21 EU countries). No ID check.
AI debt payoff plan
Avalanche or snowball: the AI runs both and picks the one that saves you the most interest. Exact payoff date, month by month.
Money lessons inside the app
Video courses with XP and certificates, plus 60-second money lessons as Reels. No extra subscription.
Who it's for
Not everyone earns the same way.
The mainstream apps treat international users as edge cases. FlowFund was built for them from the start.
For
Freelancers
MRR and ARR from retainer clients
Quarterly tax estimates in your country
Separate business vs personal income
Client revenue breakdown
For
Students
Budget your first salary or stipend
Savings goals with monthly targets
Free video courses in the Academy
Net worth tracker from day one
For
Expats & global users
20+ currencies with live exchange rates
Tax for where you actually live
No US bank account needed
Works with any bank, any country
For
Founders & side hustlers
Business revenue + personal finances
AI debt payoff for loans and cards
Shared household budget
All data exportable — nothing locked in
Comparison
The alternatives are great — for the US.
YNAB, Monarch and Copilot are built for US bank accounts and were never designed for tax systems outside the US.
| Feature | YNAB | Monarch | Copilot | FlowFund |
|---|---|---|---|---|
| Free plan | ||||
| Works outside the US | ||||
| 20+ currency support | ||||
| Freelancer MRR tracking | ||||
| No bank connection required | ||||
| Tax calculator (20 countries) | ||||
| Crypto in your net worth | ||||
| Price | $14.99/mo | $14.99/mo | $13/mo | Free or $19/mo |
FAQ
Common questions
FlowFund
Start tracking in 60 seconds.
Free forever. Bank connection optional. Works wherever you are.