Features
Accounts & transactions
Income, expenses, and transfers across all your accounts, with search, filters, tags, and CSV export. The add form suggests a category from your own history.
Budgets that get checked
Per-category monthly limits with progress bars, over-budget flags, and suggested amounts computed from your last three months — not wishful thinking.
Forecast & insights
A 30-day cash-flow projection with a low-balance warning, plus automatic insights: category spikes, savings-rate shifts, and recurring charges you never noticed.
Hours & irregular pay
Built for hourly and cash work: log just the hours, reconcile on payday against what you were actually handed, and the difference books itself as a bonus.
Crypto, read-only
Watch BTC and SOL balances by pasting a public address. Flow never asks for keys or seed phrases and can never move funds — it folds balances into your net worth.
Everywhere you are
Installable as an app on phone and desktop, synced across devices, with a keyboard-fast interface on the desktop and a thumb-first layout on mobile.
Your data is the product you keep — not the one we sell
- Free to use. No card needed — not even to sign up.
- No ads, no tracking cookies, no selling data. Just cookie-free, anonymous page counts.
- Isolated per account. Row-level security means your rows are yours alone.
- Leave anytime. One-click CSV export and permanent delete live in Settings.
- The fine print, in plain language: Privacy · Terms.
Questions
Is Flow Net Worth free?
Yes. Flow Net Worth is free to use, with no card required and no ads.
Do I need an account to use it?
No. You can start immediately and your data stays in your browser. If you create an account later, everything you entered moves into it and syncs across your devices.
Does Flow Net Worth connect to my bank?
No. There is no bank login or bank-connection service. You add transactions yourself in a few seconds, or import them from a CSV file exported by your bank.
Is it safe to add my crypto wallet?
Flow Net Worth only reads balances from a public Bitcoin or Solana address. It never asks for private keys or seed phrases and cannot move funds.
Can it track pay from hourly or cash work?
Yes. Log the hours you work, and on payday enter what you were actually paid. The difference from the estimate is booked automatically.
Can I export or delete my data?
Yes. Settings has a one-click CSV export and a permanent delete. Your data is never sold, and each account's rows are isolated with row-level security.