Flow: Money Tracker

Flow is a personal finance app that respects your privacy. Your money data
stays on your device. No accounts, no ads, no analytics, no tracking SDKs.

WHY FLOW

Most finance apps are a privacy black box — they read your transactions,
sell your spending patterns, and lock features behind subscriptions. Flow
doesn't. Everything works offline. The app costs nothing.

WHAT'S INSIDE

- Smart Add: type "12 coffee" and Flow predicts the category from a
4-layer model — note keyword, your merchant memory, the time of day,
and a fallback. Median add is 3 taps.

- Recurring bills: track rent, subscriptions, salary. The Plan tab
shows what's coming, what's paid, and what's left in your monthly
Disposable.

- Budgets per category: a soft warning at 80%, a stop sign at 100%.
Rollover supported.

- Net worth chart: 24 months of history, four time windows, drill
into any account.

- Insights: month-over-month deltas per category, income vs. spending
by month, spike alerts when a category is 2σ above your rolling mean.

- Multi-currency: hold accounts in different currencies, see totals
converted to your display currency. FX rates refresh daily from a
public provider — opt-in.

- 50 locales. Right-to-left layouts for Arabic, Hebrew, Persian, Urdu.

- Demo profile bundled — explore the full app with two years of
realistic sample data before adding a single real transaction.

PRIVACY

Your data is stored only on your device (SQLite + MMKV). No backend.
No login. No advertising network. No telemetry by default. Optional:
FX rates fetched once per day from a public exchange-rate service; you
can switch this off.

EXPORT

Export your full history as JSON or CSV at any time. Restore from a
prior JSON export to a fresh install. Monthly and yearly PDF reports.

OPEN ROADMAP

Cloud sync, home-screen widgets, and Apple Watch / Wear OS companions are tracked for v1.1+.

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Privacy: https://aqsaqal.github.io/moneyapp/flow/privacy/
Terms: https://aqsaqal.github.io/moneyapp/flow/terms/
Support: ak.saken@gmail.com