Available balance
$0.00 You can spend $0.00 per dayGoals $0.00/day 0% saved
Quick categories
AI insight
Tap Generate to get a personalized read on your trends, spending habits, and money suggestions.
May 2026
Available balance over time
Discretionary spend
Spending heatmap
Daily intensity
Spending by weekday
90-day average
Category shifts
vs last month
Spending by category
Repeat expenses
Amount / share
Last six months
Income / Spend + Goals
Daily spend outlook
Available
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.
- Repeat — 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 a read-only token, then add the Connector URL in Claude for hands-free always-live access (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 Repeat tab to filter the list to just that type.
Appearance
Inverted dark uses the same accents on a deep backdrop.
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.
Cloud save
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 read-only 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. Read-only and revocable anytime. Shown once — copy now. Anyone with these can read your budget, so keep them private and revoke if leaked.
Connector URL (read-only) — in Claude: Settings → Connectors → Add custom connector → paste this. Always live, never goes stale, nothing to re-paste. To let Claude also add/edit entries, use the read + write Connector URL under “Siri voice updates” instead:
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.
Backup
Export your data as JSON or restore from a previous file.
Reset
Start the balance at zero, clear one-time entries, or wipe everything. Clearing and reset all cannot be undone.
Private sync
Account
Each person gets a separate budget protected by login.