Takiflow

Takiflow turns your accounts into one clear answer: you have money left over — where should it go?

Most money apps stop at tracking. Takiflow goes a step further. It reads your accounts, forecasts where your checking balance lands by the end of the month, and lays out a priority-ordered plan for every spare dollar — so you always know your next best move.

REQUIRES LUNCH MONEY
Takiflow is a companion to Lunch Money (lunchmoney.app). You connect it with your own Lunch Money access token, read-only, and Takiflow uses it to pull your balances, transactions, and recurring bills. No bank logins and no shared keys — your token works only for you and is encrypted at rest.

WHAT YOU GET
• Cash-flow forecast — see where your checking is headed before month-end, from your real income and spending.
• The Plan — a surplus-allocation "waterfall" showing exactly where your leftover money should go, in order: your emergency floor first, then debt, then investing.
• Debt payoff — account for minimums and see the impact of paying debts down in the right order (snowball or avalanche).
• Show your work — every number is explained. No black boxes; tap to see how each figure was calculated.
• Clean, calm design — an editorial "ledger" look built for clarity. No ads, ever.

TAKIFLOW PRO (optional)
Upgrade for AI-written guidance:
• Weekly review — a plain-English summary of your week and what to do next.
• Monthly deep-dive — a longer look at your trends and trajectory.
• Chat — ask questions about your own numbers and get answers grounded in your data.
Your first month is free; Pro is $5/month after that. The core forecast and plan are always free.

PRIVATE BY DESIGN
Your financial data is yours. We never sell it, never use it for advertising, and run no third-party trackers in the app. When AI features are on, your summaries are processed by a model on our own cloud — never sent to an outside AI company, and never used to train anything. Turn AI off anytime and it stops entirely. Delete your account and data whenever you like.

Takiflow is educational software to help you make your own decisions — not financial, investment, tax, or legal advice.