OwenFlow: Budget Tracker

Know where your money goes — before it's gone.

OwenFlow is a personal finance tracker built around one simple idea: When you log every transaction by hand, you become aware of where your money goes. And awareness is what changes habits.

No bank connections. No automatic imports. Just you, your money, and a clear picture of your financial life.

―――――――――――――――――――― TRACK EVERYTHING IN ONE PLACE ――――――――――――――――――――

• Log expenses by category — Housing, Groceries, Dining, Transport, and more
• Record income from multiple sources — Salary, Freelance, Bonus, Investments
• Track all your debts — mortgage, credit cards, car loans — and watch the balance go down
• Set monthly budgets per category and see exactly how much you have left

―――――――――――――――――――― KNOW YOUR FINANCIAL HEALTH ―――――――――――――――――――― OwenFlow Score gives you a single number — out of 100 — that reflects how well you're managing your money this month. It's calculated based on your spending habits, budget adherence, and income-to-expense ratio.

The Reports screen also shows:

• Monthly income vs. expense trends over the last 6 months
• Spending breakdown by category with percentages
• Smart insights to help you make better decisions

―――――――――――――――――――― NEVER MISS A RECURRING PAYMENT ―――――――――――――――――――― Add subscriptions and recurring bills once, and OwenFlow reminds you when they're coming up. See your full list of upcoming payments at a glance — no surprises at the end of the month.

―――――――――――――――――――― BUILT FOR SIMPLICITY ―――――――――――――――――――― Adding a transaction takes two steps: enter the amount, and pick a category. That's it. OwenFlow is designed to get out of your way so you can stay consistent.

• Clean, minimal interface
• Daily streak to keep you motivated
• Works offline — your data, your device

―――――――――――――――――――― YOUR DATA, YOUR PRIVACY ―――――――――――――――――――― OwenFlow does not connect to your bank. We never see your account numbers or financial credentials. You enter only what you choose to enter.

Sign in with Apple, Google, or Email — your choice.

Start tracking today. Know where your money goes.