# CapitalFloow

> CapitalFloow (iPhone/iPad app by Felix Lutz.)

- Source: https://appshunter.io/ios/app/capitalfloow/id6775168401 (this page in markdown: same URL + `.md`)
- Developer: [Felix Lutz](https://appshunter.io/developer/1860508187)
- Category: Finance, Utilities
- Price: $3.99
- Age rating: 4+
- Requires: iOS 17.6 · 4 MB
- Languages: English, German
- Released: 2026-06-29
- Data updated: 2026-08-14
- User reviews in markdown: https://appshunter.io/ios/app/capitalfloow/id6775168401/reviews.md

## What is CapitalFloow?

CapitalFlow gets your finances to the point – clear, fast and completely private. No bank login required, no ads, no tracking. All data stays on your device and syncs only through your own iCloud.

**Everything that matters, at a glance**
Enter your fixed costs once – rent, subscriptions, insurance, salary – and CapitalFlow automatically converts yearly or quarterly amounts to a monthly figure. You instantly see what's really left.

**Log in seconds**
Capture expenses and income in the journal – with category, merchant, note and an optional project. Post your fixed costs into the month with one tap; the app detects changes automatically.

**Analysis that actually helps**
• Financial health score & automatic insights
• Burn rate with runway – will your budget last until month-end?
• Category budgets, income distribution, needs vs. wants
• Month comparison, 12-month overview and trends

**Reach your savings goals**
Set goals like an emergency fund or a vacation, track progress and keep the target date in view.

**Become debt-free – with a plan**
Add loans and installment plans and see, via the payoff curve, when you'll be debt-free. The Snowball (quick wins) and Avalanche (maximum savings) strategies show you the best order to tackle them.

**Analyze projects & trips**
Assign entries to a project – e.g. "Italy vacation" – and break down costs across categories.

**Handy every day**
• Home & lock screen widgets with your metric of choice
• Quick entry via Siri and Shortcuts
• CSV export, file backups, iCloud sync
• App lock with Face ID / Touch ID
• Choose your currency – English and German

CapitalFlow is for everyone who wants to understand their money without handing over bank access. Just start – the overview is there instantly.


## Version history (last 2 releases)

### 1.0.1 — 2026-08-04

Our biggest update yet – CapitalFlow grows up:

• NEW: Debt tracking with payoff plan, remaining-balance curve and Snowball/Avalanche strategy
• NEW: Savings goals with progress and target date
• NEW: Projects/tags – analyze trips and ventures across categories
• NEW: Merchant and note field for every entry, including search
• NEW: Fully available in English AND German
• NEW: App lock with Face ID / Touch ID
• NEW: Freely selectable currency (also in the widget)
• Accessibility: VoiceOver descriptions for all charts
• Noticeably faster analysis and many detail improvements

### 1.0 — 2026-06-29

No release notes.

## More apps by Felix Lutz

- [Sudoku Classic Master](https://appshunter.io/ios/app/sudoku-classic-master/id6756409463)
- [Bean Ledger](https://appshunter.io/ios/app/bean-ledger/id6758307754)
- [Retro Camera Roll](https://appshunter.io/ios/app/retro-camera-roll/id6795009986)

All apps by Felix Lutz: https://appshunter.io/developer/1860508187

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-14.*