Flowjar AI: Budget & Bills

Know what's safe to spend today, with an AI money coach.
Flowjar turns your paycheck, bills and savings into one clear number, and shows where your balance is headed before payday.
Budget planner, bill tracker and cash-flow forecast with savings jars, in one calm app.

AI MONEY COACH
• Ask the coach: "Can I afford a $600 phone this week?" Answers come from your own jars, bills and forecast, never an invented balance. Suggested steps only open an editor for you to confirm
• Bill from photo: snap a utility bill or subscription email and Flowjar fills in payee, amount, due date and how often it repeats, ready for you to check
• Quick add in plain words, like "coffee 4.50" or "dinner 60 yesterday", sorted on your phone for free
• Budgeting help only: no investment, tax or credit advice. Forecasts are estimates

AI CREDITS
The coach and bill-from-photo run in the cloud and use optional AI credit packs, bought once with no subscription. Flowjar shows what will be sent and asks first. On-device features like quick add and receipt scan stay free.

TODAY: SAFE TO SPEND
• A clear "Safe to spend today" figure on your Today screen
• 30-day forecast chart showing your lowest balance before next payday
• Next payday, upcoming bills and recent activity on one screen
• Two tabs, Today and Activity. Jars and Bills open from Today, or show all 4 tabs in Settings

LOG IT IN SECONDS
• Quick add: type "coffee 4.50" and it's logged with a guessed category you can change. Income too: "salary 2000"
• Scan a receipt with the camera or a photo. The total, shop name, date and category are read right on your phone; the photo isn't saved or uploaded. Always check the amount before adding
• Category keypad, notes and dates when you want more detail
• Search your entries and the app's features, with suggestions and recent searches
• Monthly income, expenses and net in Activity

JARS FOR EVERY PAYCHECK
• Split each paycheck into jars like Bills, Spending, Savings and Goals
• Start with a recommended split, then tweak it to fit your life
• Watch every jar grow toward its target
• Add money to a jar or take it back out to your balance anytime
• Savings and Goal jars are kept out of Safe to spend, so you never spend them by accident

BILLS & SUBSCRIPTIONS
• Rent, utilities, phone, streaming and more in one list, with due-date reminders
• Mark a bill as paid in one tap, with undo if you tapped too soon
• See exactly what's due before your next payday
• Weekly, monthly or yearly bills, with a reminder the day before each one is due and on payday

ALL OVER YOUR PHONE
• "Safe to spend" home screen widget that starts a new day at midnight
• Optional ongoing notification that keeps today's amount in the notification shade and on the lock screen, with Add expense and Scan buttons. Turn it on in Settings. Amounts stay hidden if your lock screen hides sensitive content
• Quick Settings tiles: Quick add and Scan receipt

PRIVATE BY DESIGN
• No account needed, no bank login, no bank linking
• Your budget data stays on your phone unless you use cloud AI
• Lock Flowjar with your fingerprint or screen lock
• Anonymous usage stats and crash reports help us improve the app. Amounts, notes and names are never sent, and you can turn sharing off in Settings

FLOWJAR PRO
Flowjar is free to download and use. Upgrade to Pro for:
• 90-day forecast (free: 30 days)
• Unlimited jars (free: 4)
• Unlimited bills (free: 5)
• CSV export

Choose Lifetime (a one-time purchase, no subscription), Yearly with a 3-day free trial, or Monthly. Prices vary by country and are shown in Google Play before you buy.

Subscriptions renew automatically until you cancel. Manage or cancel anytime in Google Play under Payments & subscriptions.

Terms of Use: https://flowjar.web.app/terms
Privacy Policy: https://flowjar.web.app/privacy

Flowjar is a personal planning tool. It is not a bank or lender and does not provide financial advice.

Recent changes:
Jar templates: set your jars from 60/20/15, 70/20/10, 80/20, Barefoot or Six jars in one tap.