MonyFlow: No bank login

MoneyFlow – Budgeting That Resets With Your Real Life, Not the 1st of the Month Most budgeting apps reset on the 1st and fall apart the moment your pay date, bills, or spending don't match a fixed calendar. MoneyFlow gives you one number that always tells the truth: Safe-to-Spend — your income, minus every bill, debt, subscription, and goal you've committed to, updated in real time. TRACK EVERY PART OF YOUR MONEY IN ONE PLACE • Spending — Set a budget per category and get warned before you overspend, not after • Goals — Set a target and deadline, log contributions, and see if you're on track • Investments — Track what you've actually contributed to stocks, crypto, and funds • Debts — See your exact payoff month, plus how much extra payments save you • Subscriptions — Every recurring charge in one list, with renewal alerts 3 days early • Bills — Track variable bills like electricity and water, and spot what's higher this month • Income — Log what you earn to power your real-time Safe-to-Spend number KNOW WHERE YOU STAND, NOT JUST WHAT YOU SPENT • Net Worth — Assets minus liabilities, updated monthly • 21 Achievements — Earn badges and build your Wealth Score as you pay down debt and hit goals • Upcoming Payments — See every bill, subscription, and debt payment due in the next 7 or 30 days • Debt Payoff Date — Enter your rate and balance, see your exact payoff date, free for every debt PRO UNLOCKS • Strategy Comparison — Compare snowball vs avalanche to find the fastest path out of debt • Weekly AI Insights — A personalized coaching tip based on your actual spending, goals, and debt • 12-Month Net Worth Chart — See your trend over time • Cloud Sync — Keep your data backed up and synced across devices • CSV Export — Take your data with you, anytime WHY PEOPLE SWITCH TO MONEYFLOW • No bank sync to break — your data lives on your device • Core features are free — all 7 categories, achievements included, no paywall • No ads, ever — Pro subscribers fund the app, not your attention • Built for people juggling more than a single budget — bills, debt, investing, and saving, all at once Free, offline-first, and ready in under 2 minutes. Upgrade to Pro anytime for AI insights, debt strategy comparisons, and net worth trends. Terms of Use (EULA): https://www.getmoneyflow.app/terms