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.