Smart Money Flow

Smart Money Flow — The 3-Fund Money Management System

Take control of your finances with a simple yet powerful method used by thousands of smart savers worldwide.

💡 HOW IT WORKS
Every time you receive income, it's automatically split into 3 dedicated funds:
- 🛒 Personal Fund (33.33%) — Daily spending, groceries, lifestyle
- 📋 Obligations Fund (33.33%) — Rent, bills, loan payments
- 📈 Savings Fund (33.34%) — Emergency fund, investments, future goals

✨ KEY FEATURES
- Automatic income distribution across 3 funds
- Real-time balance tracking with visual charts
- Savings goal calculator with compound interest
- Zakat calculator (Gregorian & Hijri calendar)
- Custom fund ratio adjustment
- Transaction history with search & date filter
- Milestone celebrations when you hit savings goals
- Offline-first — works without internet
- Beautiful dark theme

🌍 AVAILABLE IN 9 LANGUAGES
English, Arabic, French, Spanish, German, Turkish, Indonesian, Russian, Chinese

📊 SAVINGS CALCULATOR
Plan your financial future with our built-in compound interest calculator. Set a savings goal, enter your monthly contribution, and see exactly how long it takes to reach your target.

🤲 ZAKAT READY
Built-in Zakat calculator based on your savings fund balance. Supports both Gregorian (2.57%) and Hijri (2.55%) calendar calculations with annual payment reminders.

Download Smart Money Flow today and start your journey to financial freedom!

Recent changes:
- Fixed fund percentage calculations for full accuracy
- Fixed balance rounding issues affecting withdrawals
- New: "Undo Zakat" option (long-press the button) to correct entries before the year-long wait
- Transaction history notes and fund names now translate instantly when you change the app language
- New: tap the eye icon next to your balance to hide/show your amounts for privacy