Budget Flow - Money Tracker

Plant your habits. Grow your money tree. Sort income into Needs, Wants, and Savings buckets to plan for the future — end-to-end encrypted, so only you ever see it.

Budget Flow — private budgeting that grows your money.

Plant your habits. Grow your money tree. Budget Flow is a personal finance app built around a simple idea: every dollar should have a job, and no one but you should ever see where it goes.

Track all of your accounts in one place. Sort each paycheck into Needs, Wants, and Savings buckets. Watch your goals fill in as the months go by. Get an at-a-glance picture of what's on track and what needs attention — without handing your financial life to a tech company.

PRIVACY BY DESIGN — YOUR DATA IS YOURS ALONE

Budget Flow is end-to-end encrypted. Your financial data is encrypted on your device with a key derived from a PIN you set. We use industry-standard algorithms (NaCl XSalsa20-Poly1305 + PBKDF2-HMAC-SHA512), and our server only ever sees ciphertext. Not Budget Flow staff, not our hosting provider, not anyone without your PIN can decrypt your numbers. We don't sell your data, share it, or run analytics on it.

A NOTE ON THE PIN

Because Budget Flow is truly end-to-end encrypted, your PIN is the only thing that can decrypt your data. If you forget it, your data cannot be recovered — not by us, not by anyone. This is the cost of true privacy. Keep your PIN somewhere safe.

FEATURES

• Multi-account tracking — Add as many accounts as you like — checking, savings, cash. Balances update automatically as paychecks land and money moves between accounts.

• Smart budget buckets — Create custom buckets like "Rent," "Groceries," "Vacation fund," or "Emergency savings." Allocate by percentage of income or fixed dollar amount. Link each bucket to the account it pulls from.

• Fixed expenses, handled — Add subscriptions, loans, and recurring bills with their pay frequency. Budget Flow automatically applies them to your buckets each month based on actual payment dates.

• Multiple income streams — Track recurring paychecks (weekly, bi-weekly, semi-monthly, monthly, annual) and one-off variable income for freelance or side gigs.

• Goals you'll actually hit — Set a target amount and a date — Budget Flow projects whether your linked savings bucket will get you there, and tells you exactly how much more you'd need each month if you're falling short.

• Category coverage at a glance — Home screen shows overall progress for Needs, Wants, and Savings, with per-bucket hints like "Move $200 from Checking → Savings to cover Emergency fund." Stop guessing whether you're on track.

• Manual expense logging — Log one-off purchases against the bucket they pull from. See remaining-this-month for every category, live.

• Account transfers — Record transfers between your own accounts — balances stay accurate without double-counting.

• CSV export — Download a full record of your accounts, transactions, transfers, income, and goals as a CSV any time. Your data is always portable.

• Face ID unlock — Optional biometric authentication for fast, secure access after the first PIN.

• Hide-balances mode — One tap masks every dollar amount across the app — great for using it in public.

• Light, dark, or system — Comes in emerald green. Defaults to dark mode.

Built for people who want to actually understand where their money is going without any hassles.