FlowFunds Finance Planner

FlowFunds is a private, local-first finance planner for Mac, iPhone, and iPad. Organize budgets, cash flow, debt, savings, investments, and long-term goals without linking bank accounts or brokerage accounts. Designed for people who want practical visibility into their financial life without connecting bank accounts, brokerage accounts, or outside financial institutions, FlowFunds gives you a clear place to enter your own numbers, build dashboards, compare scenarios, and understand how today’s choices may affect future outcomes. Create finance dashboards for everyday planning, review recurring income and expenses, track savings goals, model debt payoff, explore compound growth, and use planning calculators to better understand your personal finances. Premium tools unlock expanded views for income, debt, analysis, and deeper financial review. FlowFunds is local-first and privacy-focused. Your dashboard data is created by you and stored on your Mac, iPhone, and iPad, with optional iCloud document support for Apple account syncing. Optional Caelvex Labs market-data lookups can refresh investment prices, dividend yields, and historical price series for planning scenarios. Key features: • Personal finance dashboards for focused money planning • Budget and cash flow organization • Income, savings, debt, and investment planning tools • Investment rows with optional market-data refreshes • Historical Monte Carlo planning and target probability views • Compound growth and long-term goal calculators • Scenario comparison for personal financial decisions • Optional iCloud document support • Premium unlock through Apple In-App Purchase • Clean Mac interface built for focused financial review FlowFunds is for planning, organization, and calculation. It does not provide investment advice, trading recommendations, banking services, brokerage services, lending, insurance, tax advice, legal advice, or fiduciary money management. Use FlowFunds to understand your own numbers, compare possibilities, and make more informed personal finance decisions.