FlowFunds Finance Planner
Budget & net worth tracker
About
A private, local-first finance planner for Mac, iPhone, and iPad. Organize budgets, cash flow, debt, savings, and investments without linking bank accounts. Build dashboards, compare scenarios, and understand future financial outcomes.
What's New in FlowFunds Finance Planner
1.3.7
October 3, 2026
FlowFunds 1.3.7 brings clearer history charts, more accurate savings projections, and stronger iCloud sync. Explore separate dates within each month and check exact chart values on Mac. Savings projections now calculate interest based on when each deposit is made, including growth between compounding dates. Monte Carlo planning uses year-over-year returns from up to 30 years of prices and shows the shared history available for your selected tickers. Your latest balances, edits, deletions, and asset photos are better protected when syncing across devices.
MoreSubscriptions & In-App Purchases
$3.99
FlowFunds Premium
Unlock Compound, Debt, Income, and dashboard tools.
Developer apps
FAQ
What is FlowFunds?
FlowFunds is a private, local-first finance planner designed for Mac, iPhone, and iPad. It helps you organize budgets, cash flow, debt, savings, and investments without needing to link bank or brokerage accounts.
Does FlowFunds link to my bank accounts?
No, FlowFunds is designed for users who prefer not to link bank accounts or brokerage accounts. You enter your financial data manually to maintain privacy and control.
What devices does FlowFunds support?
FlowFunds is available on Mac, iPhone, and iPad, offering a seamless experience across your Apple devices.
How does FlowFunds handle data privacy?
FlowFunds is local-first and privacy-focused. Your financial data is stored on your devices, with optional iCloud support for syncing between your Mac, iPhone, and iPad.
What are the premium tools in FlowFunds?
Premium tools unlock expanded views for income, debt, analysis, and deeper financial review, enhancing your ability to understand and plan your personal finances.
Can FlowFunds refresh investment prices?
Yes, optional Caelvex Labs market-data lookups can refresh investment prices, dividend yields, and historical price series for your planning scenarios.
Is FlowFunds suitable for beginners?
Yes, FlowFunds provides practical visibility into your financial life, allowing you to enter your own numbers, build dashboards, and understand how choices affect future outcomes, making it suitable for those new to financial planning.
What is the update frequency for FlowFunds?
The latest version, 1.3.4, was released on August 28, 2026, indicating active development and regular updates to enhance features and reliability.
