Flow: Money Tracker

Track money offline. No accounts, no ads, no data leaving your phone.

Flow is a personal finance app that respects your privacy. Your money data stays on your device. No accounts, no ads, no analytics, no tracking SDKs.

WHY FLOW

Most finance apps are a privacy black box — they read your transactions, sell your spending patterns, and lock features behind subscriptions. Flow doesn't. Everything works offline. The app costs nothing.

WHAT'S INSIDE

• Smart Add: type "12 coffee" and Flow predicts the category from a 4-layer model — note keyword, your merchant memory, the time of day, and a fallback. Median add is 3 taps.

• Recurring bills: track rent, subscriptions, salary. The Plan tab shows what's coming, what's paid, and what's left in your monthly Disposable.

• Budgets per category: a soft warning at 80%, a stop sign at 100%. Rollover supported.

• Net worth chart: 24 months of history, four time windows, drill into any account.

• Insights: month-over-month deltas per category, income vs. spending by month, spike alerts when a category is 2σ above your rolling mean.

• Multi-currency: hold accounts in different currencies, see totals converted to your display currency. FX rates refresh daily from a public provider — opt-in.

• 50 locales. Right-to-left layouts for Arabic, Hebrew, Persian, Urdu.

• Demo profile bundled — explore the full app with two years of realistic sample data before adding a single real transaction.

PRIVACY

Your data is stored only on your device (SQLite + MMKV). No backend. No login. No advertising network. No telemetry by default. Optional: FX rates fetched once per day from a public exchange-rate service; you can switch this off.

EXPORT

Export your full history as JSON or CSV at any time. Restore from a prior JSON export to a fresh install. Monthly and yearly PDF reports.

OPEN ROADMAP

Cloud sync, home-screen widgets, and Apple Watch / Wear OS companions are tracked for v1.1+.

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Privacy: https://aqsaqal.github.io/moneyapp/flow/privacy/ Terms: https://aqsaqal.github.io/moneyapp/flow/terms/ Support: ak.saken@gmail.com