SmartFlow: Finanzas Personales

SmartFlow is the personal finance app for those who want real control of their money without giving their bank details to anyone. No bank connection, no data sales, and no ads.

🌟 REAL-TIME NET WORTH
Accounts, properties, and investments versus your debts, consolidated and updated instantly every time you enter something. You know exactly how much you're worth today, without creating a spreadsheet.

🏠 PROPERTIES AND MORTGAGES TREATED SERIOUSLY
Each property has its own profile: market value, rental income, expenses and taxes by category, and automatically calculated net profitability. Mortgages aren't just estimates: SmartFlow generates a real amortization schedule, showing principal and interest payments month by month, and lets you compare it to your bank statement if it doesn't match up to the last cent. Mark payments and expenses as recurring, and it will suggest them each month, ready for you to confirm.

📈 COMPLETE INVESTMENT: FUNDS, STOCKS, CRYPTOCURRENCY, FIXED INCOME
Index funds, stocks, cryptocurrencies, pension plans, and fixed income all in one place. Each position with its automatically calculated weighted average price, partial sales with realized profit separate from unrealized profit, dividends and interest, and the broker noted. Check the market price whenever you want, but never without your approval.

💰 EXPENSES, INCOME, AND BUDGETS UNDERSTANDABLE AT A GLANCE
Record transactions in seconds, by customizable category and subcategory. Multi-accounts with live balance calculations based on your actual transactions—never a number that goes out of sync. 50/30/20 rule with alerts when you're approaching the limit. Import and export to Excel.

🎙️ VOICE ENTRY, FOR REAL
Say "On August 3rd I spent €20 at the supermarket, deduct it from my BBVA account" and SmartFlow automatically fills in the date, amount, category, subcategory, and account. Available in Spanish, Catalan, and English.

🔒 REAL SECURITY, NOT JUST ON PAPER
Biometric lock upon opening. Encrypted database with a key that never leaves your phone. Backup to a file you control. And the app is excluded from Google's automatic backup: your data doesn't even travel there.

📊 FOUR HOME SCREEN WIDGETS
From a single-tap entry for a single expense to a larger one with your monthly summary. All controlled by voice, without opening the app.

🌍 TRULY TRILINGUAL
Spanish, Catalan, and English reviewed phrase by phrase by a person. Three palettes: Emerald, Dragonfly, and Terracotta.

✨ PREMIUM PACK: YOUR FINANCES WITH ARTIFICIAL INTELLIGENCE
Optional. €4.99/month or €39.99/year, with a 15-day free trial on the monthly plan.

• Flux, your financial assistant: ask it anything you want about your finances, and it will answer with your real data, not template advice.

• Monthly forecast: how much you'll spend and how much you'll save next month, before it even happens.

• Tax report in PDF format for your accountant: income, deductible expenses, depreciation, days rented, and rental agreements.

• Property analyzer before you buy: determine if that purchase is worthwhile, based on your own figures.

• • Receipt scanning: Take a photo and the expense is automatically recorded.

• Monthly analysis and annual summary with recommendations.

• Simulator: See what would happen to your money if you changed something.

• Personalized savings goals.

• Automatic categorization when importing an Excel file.

• Personalized AI avatar.

• No limits on properties, assets, or accounts.

The fine print is best understood: The free version includes up to 2 properties, 3 investment positions, and 2 accounts. Only the AI-powered features send data outside your mobile device, only when you use them and never with your name, email address, or account numbers. Everything else remains 100% local and free.

SmartFlow is designed for those who already manage more than just their checking account—real estate, investment portfolios, multiple accounts—and need a powerful tool without compromising their privacy.

Download SmartFlow for free and start seeing your money as it truly is.