Personal Finance
CashFlow
Personal finance management with Stock & Flow methodology
Track what you own and what moves. Automate the recurring parts, set goals you can actually measure, and see the range of futures your money is heading toward.
- 10+ account types
- 27 currencies
- Household sharing
- Free forever
The Method
Stock & Flow, not another expense tracker
Most apps only categorize what you spent last month. CashFlow separates your stocks — the balances you hold across accounts and currencies — from your flows, the income, bills, and transfers that move between them. Model the flows and the future balances follow.
Stocks
Checking, savings, credit cards, loans, investments, and e-wallets — converted to one net worth figure.
Flows
Salary, bills, subscriptions, and transfers on seven recurrence patterns, generated automatically.
Features
A complete financial toolkit
For individuals, couples, and families — with the depth advisors expect
Account Tracking
10+ account types: checking, savings, credit cards, loans, investments, e-wallets, and more.
Smart Transactions
Income, expenses, transfers, and payments with automatic balance recalculation.
Recurring Automation
Bills, subscriptions, and salary with 7 frequency options. Transactions generate automatically.
Reports & Analytics
Monthly cashflow charts, spending by category, income breakdowns, and up to 24 months of history.
Multi-Currency
27 currencies with automatic exchange rate conversion for global net worth accuracy.
Financial Goals
Savings targets, debt payoff, and net worth milestones with visual progress tracking.
Scenario Simulator
What-if modeling for income changes, expense adjustments, and one-time events.
Monte Carlo Simulation
1,000 probabilistic iterations with P10/P50/P90 confidence intervals and goal probabilities.
REST API
Token-authenticated access with 30+ endpoints for accounts, transactions, and analytics.
Who It's For
One household, one clear picture
Individuals
Take control of personal finances with automated tracking, forecasting, and goal setting.
Couples & Families
Household-level collaboration with owner, member, and viewer permission roles.
Financial Advisors
Viewer access to client households for transparent financial planning and advisory.
Pricing
Free, forever
One plan, no credit card, no trial clock. Everything below is included.
Free
$0
Forever plan
- No credit card required
- 10+ account types
- 27 currencies supported
- Recurring automation
- Reports & analytics
- Household collaboration
- Scenario simulator & Monte Carlo
- REST API (30+ endpoints)
Also From Pocket Pass Digital
Three more tools built the same way
Take control of your finances
Every feature, on the free forever plan. No credit card, no trial clock.