Available balance
$0.00 You can spend $0.00 per dayThis month's plan
$0.00 to spend
Avg / day
$0.00Goals $0.00/day 0% saved
Buckets $0.00/day $0.00 set aside
What's shaping your daily number
Total expenses
$0.00
Avg daily spend
$0.00/day
Quick categories
AI insight
Tap Generate to get a personalized read on your trends, spending habits, and money suggestions.
$0.00/day
May 2026
Available balance over time
Projected from how you actually spend.
1 month
Day-to-day spending
Rolling average
Spending heatmap
Daily intensity
Spending by weekday
90-day average · all purchases
Category shifts
vs last month
Spending by category
All spending by category
Individual bills + category spending
Savings goals progress
Funded / target
Biggest recurring bills
Amount / share
Last six months
Income / Spend + Goals
Daily budget by month
Can I keep spending like this?
Habits vs future budget
Where each month's money goes
Income, bills, goals, leftover
How the forecast is built
Behind the scenes
Spending spikes
Last 30 days
Spending by tag
What the forecast counts
Spending profile
This period vs your typical month
Cash-flow waterfall
How income becomes available money
Spending pace
Spending against this period’s allowance
Spending pace range
Category trends
Top categories over six months
Recurring bill timeline
Estimated due dates this period
Top merchants
Where flexible spending concentrates
Goal burn-up
Funding progress to each target date
Financial resilience
Income and outflow by month
Favorite quotes
Help & how it works
Daily Flow turns the way you pay — monthly bills, weekly paychecks — into a single number you can spend today. Here's a quick tour:
- Balance — your running balance and what you can spend per day. Unspent allowance rolls forward; over-spending pulls from tomorrow.
- Recurring — your recurring income and expenses. Each one is converted to a daily value (a $1,200/mo rent becomes ~$39.45/day), then everything is summed into your daily allowance.
- Variable recurring items (groceries, gas) — set an average; enter the actual amount when the bill hits and the balance trues up.
- Entries — one-time income or expenses. Income adds to your balance now; expenses subtract now.
- Analysis — monthly income vs spending, category breakdown, six-month trend, and an optional AI insight.
- AI assistant — bring your own free API key (Gemini, Cerebras, Groq) to unlock chat and insights. Keys stay on this device.
- Siri voice updates — generate a device token so you can dictate entries to your iPhone Shortcut hands-free.
- Live access for Claude / ChatGPT — generate an access token, then add the Connector URL in Claude for hands-free always-live access with read and write (or paste the plain link into a chat), instead of exporting a file.
- Backup — export everything to JSON or restore from a file. Cloud save also syncs across your signed-in devices.
- Reset — Clear entries wipes one-time transactions but keeps your recurring setup. Reset all wipes everything.
Tip: tap any income/expense metric on the Recurring tab to filter the list to just that type.
Tip: double-tap the month name on Entries or Analysis to jump back to the current month.
Tip: double-tap a tab icon to scroll that screen back to the top.
Appearance
Typeface
Inverted dark uses the same accents on a deep backdrop.
Background photo
Dim blends the photo into your theme. Readability protection keeps labels clear; you can add more dim or blur.
Readability protection adjusts automatically
My daily floor
The daily number you don't want to plan below. Shown as a line on your outlook charts.
Speed dial presets
The tiles in the slide-over. They sort themselves — most logged first, then alphabetically — so what you use rises to the top without you arranging it.
Pet grocery run
When you log a "Pet grocery run," this fixed amount is split off as a Pet expense (fixed batch) and the rest becomes Grocery (HEB). Update it when meat prices change.
Analysis charts
Choose which charts show on the Analysis tab, and drag the ⠿ handle to reorder them. Changes sync across your devices.
AI assistant
Bring your own free API key to unlock AI insights and chat. Keys are stored only on this device.
Whatever you write here is read first and woven into your AI insight every time you tap Generate — it adds a personal “Why it matters” note. Leave blank for a general insight.
Import transactions
Bring in a bank or card statement and let AI sort each item by name, date, and category. Upload a CSV or PDF, snap a photo, or paste the rows — you review and edit everything before anything is saved. Nothing is added until you tap Add.
Account settings
Siri voice updates
Generate a token for your iPhone Shortcut. Each device gets its own token. The token is shown once — copy it now. This same token also powers a read + write Claude Connector (it can add and edit entries), so keep it private.
Siri token (for the iPhone Shortcut) — copy now, shown once:
Claude Connector URL (read + write) — in Claude: Settings → Connectors → Add custom connector. Lets Claude read your budget AND add/edit entries:
Live access for Claude / ChatGPT
Give Claude full access to your live budget — no more exporting and pasting a file. Generate a token below, then use the Connector URL for hands-free always-live access (recommended), or the plain link to paste into a single chat. Revocable anytime. Shown once — copy now. Anyone with these can read and edit your budget, so keep them private and revoke if leaked.
Connector URL (read + write) — in Claude: Settings → Connectors → Add custom connector → paste this. Always live, never goes stale, nothing to re-paste. Claude can view the budget and add or edit entries with it:
Plain link — paste into a chat. Note: within one chat it can go stale; start a new chat for the latest:
You won't see these again after closing.
Shared household account
Create one password-free Shared account for the two of you. It combines Balance, Recurring, Analysis, Settings, and shared goals while leaving Entries unavailable. Individual entry and goal names stay private.
Create Shared account once. It appears as an account you can open from either person's app — no new email, password, or sign-out required.
Have a code from your partner? Enter it to join:
Your accounts use the earlier shared setup. Upgrade it to the password-free Shared account.
Share this 12-character code with your partner. They enter it under Shared household account → Join in their own app:
The combined numbers appear here once they join.
Shared account ready
Open Shared account here or from the saved accounts list. It has Balance, Recurring, Analysis, Settings, and shared goals — no Entries.
Backup
Export your data as JSON or restore from a previous file.
JSON restores the app. CSV opens in Excel or Power BI.
Version history
Immutable snapshots let you review an earlier budget without changing the live one.
Reset
Private sync
Account
Keep more than one profile signed in on this device, then switch budgets without typing the password again.
Profiles
Saved on this device
No saved profiles yet. Sign in below to add one.