Free to start · No subscription required · Works globally

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.

Create free account →Try demo first
20+ countriesNo bank loginCrypto incomeAI advisorFree forever
flowfund.finance/dashboard
Good morning, Alex
Total Income
$4,200
Expenses
$2,847
Net Flow
$1,353
Savings Rate
32%
AI Financial Score
74
Good — room to grow
Raise savings rate to 40% to reach Excellent.
Recent Transactions
Freelance – Client A+$1,800
Rent-$950
Groceries-$84
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 about your situation.
Tax calculator for 20+ countries
Real 2024/25 brackets for Germany, UAE, India, UK, USA, France, Canada, and 14 more. Quarterly estimates. Deduction tracking.
MRR and ARR for freelancers
Track recurring income from clients alongside your personal finances. See ARR projections and client breakdown in one place.
No bank login — works anywhere
Import CSV from any bank worldwide or add manually. No credentials, no Open Banking, no KYC. Works where Plaid does not.
AI debt payoff strategy
Avalanche vs snowball — the AI runs both and picks the option that saves you the most interest. Exact payoff date, month by month.
Financial education inside the app
Video courses with XP and certificates. Short-form Reels of 60-second money lessons. No separate subscription required.
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 require a US bank account and were never designed for international tax systems.

FeatureYNABMonarchCopilotFlowFund
Free plan
Works outside the US
20+ currency support
Freelancer MRR tracking
No bank connection required
Tax calculator (20+ countries)
Crypto income tracking
Price$14.99/mo$14.99/mo$13/moFree or $19/mo
vs YNAB →vs Monarch →vs Copilot →vs Spreadsheet →
FAQ

Common questions

FlowFund

Start tracking in 60 seconds.

Free forever. No bank connection. Works wherever you are.

Create free account →Try demo first