CapitalFloow

Take effortless control of your money: fixed costs, budgets, savings goals and debt payoff – all local, private and ad-free. Now in English & German.

CapitalFlow gets your finances to the point – clear, fast and completely private. No bank login required, no ads, no tracking. All data stays on your device and syncs only through your own iCloud.

Everything that matters, at a glance Enter your fixed costs once – rent, subscriptions, insurance, salary – and CapitalFlow automatically converts yearly or quarterly amounts to a monthly figure. You instantly see what's really left.

Log in seconds Capture expenses and income in the journal – with category, merchant, note and an optional project. Post your fixed costs into the month with one tap; the app detects changes automatically.

Analysis that actually helps • Financial health score & automatic insights • Burn rate with runway – will your budget last until month-end? • Category budgets, income distribution, needs vs. wants • Month comparison, 12-month overview and trends

Reach your savings goals Set goals like an emergency fund or a vacation, track progress and keep the target date in view.

Become debt-free – with a plan Add loans and installment plans and see, via the payoff curve, when you'll be debt-free. The Snowball (quick wins) and Avalanche (maximum savings) strategies show you the best order to tackle them.

Analyze projects & trips Assign entries to a project – e.g. "Italy vacation" – and break down costs across categories.

Handy every day • Home & lock screen widgets with your metric of choice • Quick entry via Siri and Shortcuts • CSV export, file backups, iCloud sync • App lock with Face ID / Touch ID • Choose your currency – English and German

CapitalFlow is for everyone who wants to understand their money without handing over bank access. Just start – the overview is there instantly.