A spreadsheet is free and can do anything you build into it. The cost is time: formulas, exchange rates and categories are all yours to maintain.
FlowFund does that work for you: entries in any currency, converted with daily rates, totals, goals, bills and tax estimates ready the moment you add a transaction.
| Spreadsheet | FlowFund | |
|---|---|---|
| Price | Free | Free plan · Pro $19/month or $190/year |
| Currencies | Manual exchange rates | 150+ currencies, one total in your home currency |
| Tax estimates | Only if you build them | Tax Radar: income-tax estimates for 20 countries (for planning, not tax advice) |
| Bills and reminders | Manual | Bills with due-day reminders |
| Bank data | Copy and paste | Optional: bank sync in 21 European countries (Pro), CSV import or manual entry |
| Investments | Manual | Stock and crypto holdings inside your net worth |
| AI | — | AI insights from your own numbers (educational, not financial advice) |
| Apps | Spreadsheet apps | Web app; Android app in testing on Google Play |
Competitor details are general and can change; check Spreadsheet's own site for current plans and prices. “—” means we make no claim.
No credit card, no bank connection needed. Look at the demo first if you like.