# Flow Net Worth

> Flow Net Worth (https://flownetworth.com) is a free, web-based personal finance tracker. It tracks accounts and transactions, monthly budgets, a 30-day cash-flow forecast, subscriptions, hourly work pay, and read-only Bitcoin/Solana balances. No ads, no data selling, and it can be used without creating an account.

## Key facts

- Price: free. No card required.
- Platform: web app, installable as a PWA on phones and desktops.
- Account: optional. Signed-out data stays in the browser; it moves into the account on sign-up and then syncs across devices.
- Bank connections: none. Transactions are entered manually or imported from a bank's CSV export.
- Crypto: read-only BTC and SOL balances from a public address. Never asks for private keys or seed phrases; cannot sign or move funds.
- Hourly work: log hours, then reconcile on payday against what was actually paid; the difference is booked automatically. Designed for irregular and cash pay.
- Budgets: per-category monthly limits with suggested amounts based on the last three months of spending.
- Insights: category spikes, savings-rate changes, and recurring charges detected automatically.
- Privacy: per-account row-level security, one-click CSV export, permanent delete in Settings.
- Contact: support@flownetworth.com

## Pages

- [Home](https://flownetworth.com/): product overview and FAQ
- [How to track cash and irregular hourly pay](https://flownetworth.com/guides/track-cash-pay): log hours, estimate pay, reconcile on payday
- [How to budget without linking your bank account](https://flownetworth.com/guides/budget-without-linking-bank): manual entry plus CSV/QFX/OFX statement imports
- [Privacy Policy](https://flownetworth.com/privacy): what data is stored and how to export or delete it
- [Terms of Service](https://flownetworth.com/terms)