Flex Cashflow: Money Manager

Cash, bank, mobile money, a loan, a savings goal — most of us don’t keep money in one place. Flex Cashflow is a personal finance ledger on your phone: what you have, what you owe, what’s coming due, and where the month went. Works offline. No account required to start.
TRACK EVERYDAY MONEY
• Log income, expenses, and transfers
• Categorise spending and see where it went
• Attach receipts, photos, and files to records
• Multiple accounts and currencies, one net worth

PLAN WHAT’S NEXT
• Budgets and budget items
• Bills and subscriptions (active or paused)
• Payment plans for upcoming or recurring payments
• Savings goals, loans, investments, and occasions
• Link transactions to the records they belong to

SEE THE PICTURE
• Portfolio and balances in one view
• Analytics, reports, and category insights
• Reminders and in-app notifications
• Home widgets, themes, locale (English & Swahili), and biometric lock

YOUR PHONE FIRST
The vault stays on this device unless you export a backup, pair another device on your Wi-Fi (including web or desktop on the same network), or turn on Pro.

PRO IS OPTIONAL
The ledger is free — tracking, budgets, bills, savings, loans, investments, analytics, Wi-Fi pairing, and backups.
Pro adds encrypted cloud sync and a 1 GB vault, live exchange rates, and an AI assistant that can chat, take voice, or read a photo or PDF — you review every suggestion before anything is saved.

Start with a simple expense tracker: add an account, log income and spending, see where the month went. Stay there if that’s enough. When you want budgets, bills, savings, loans, or a full net worth, you don’t switch apps — it’s the same ledger.