Flowwise Early access

See what should be left at the end of the month.

Flowwise is a private planning app for iPhone. Add your income, bills and card payments, and it works out what's expected to be left in your everyday accounts at the end of the month. It shows you exactly how it got there. No bank connection. No sign up. No tracking.

See how it works Early access →

Free to use · In early TestFlight · Not yet on the App Store

Flowwise Home screen. This month: £10,403.40 expected left at month end in your everyday accounts. Below it, a smaller Overall position of £18,028.40 across 3 accounts.

One number, and exactly how it's made.

Flowwise starts from the money in your everyday accounts today, then adds everything you already know about the rest of the month: income still to come, bills, planned payments, and card payments still due.

It's a forecast, not a promise. It can include income you haven't received yet, so Flowwise never calls it safe to spend.

Savings and credit card balances aren't in this number. They sit in your Overall position, which covers every account.

Flowwise's How this is calculated sheet. Everyday cash today £9,958.40, plus still expected this month +£645.00, equals expected left at month end £10,603.40, with notes explaining the forecast.
Tap ⓘ in the app and Flowwise shows the working for any month. The rows always add up to the number on screen.
Everyday cash today
£9,958.40
Still expected this month
+£645.00
Includes income still to come, minus bills, planned payments, and card payments still due.
Expected left at month end
£10,603.40

Paying your credit card isn't spending.

Moving money to savings or paying a card does not count as spending. When you pay your card, your everyday cash goes down and what you owe goes down by the same amount.

Your Overall position doesn't drop just because you paid your own card. Flowwise records it as what it is: a card payment, not spending.

Current account → Credit card · Overall position: unchanged
Flowwise Activity list. A Bills expense of £500.00 shows in coral as spending, while a Card payment of £200.00 from Barclays to Amex shows neutrally as money moved.
In Activity, spending shows in coral. A card payment doesn't. It's movement, not spending.

What Flowwise does

Accounts, activity, regular bills and the months ahead, all in one place on your iPhone.

Flowwise Plan screen for July 2026. Expected left at month end £10,603.40, expected overall position £18,873.40, money coming in +£3,000.00, money going out −£2,196.60, expected change +£803.40, and a note that card payments and transfers are not spending.
A month in Plan: what's coming in, going out, and expected to be left.

Accounts and balances

See every account and its current balance in one place: current accounts, savings, credit cards and cash. Credit cards are shown as what you owe.

Regular money in and out

Wages, rent, bills and subscriptions, set weekly, monthly or every four weeks. Flowwise shows what's already spoken for each month.

Months ahead

Each future month shows what's expected to be left at the end of it, not just what's planned to move.

Activity

Add income, spending and transfers in seconds and organise them by category. Card payments and transfers are labelled as movement, not spending.

Savings goals

Put bigger expenses aside as savings goals. See what you've saved, what's left to save, and the weekly or monthly pace that gets you there.

CSV export

Your data is yours. Export your full transaction history as a CSV file whenever you want.

Your money data never leaves your iPhone

Flowwise keeps your planning private from the start.

  • No bank connection

    You add or import your numbers. Flowwise never asks for a bank login.

  • No account

    Nothing to sign up for, no password to create.

  • No tracking

    No analytics, no ads, no third-party anything.

  • Protected on device

    Lock the app with Face ID. Your data stays on your iPhone.

  • Yours to take or erase

    Export everything as CSV, or erase all data, whenever you choose.

This website works the same way: no cookies, no analytics, no external scripts.

Read the full Privacy Policy →

Free to plan. Plus when you want more room.

Flowwise is free to plan with. Expected left at month end, the explainer and your data are never paywalled. Flowwise Plus adds more room when you want it: extra accounts, forecasts further ahead and workbook import. You never need Plus to plan.

Early access is opening carefully.

Flowwise is in TestFlight with a small group of testers, and the group is growing slowly. Every build works on the same things: clarity, trust and getting the numbers right. There's no waitlist form here, because Flowwise doesn't collect email addresses, on this site or in the app.

Not yet on the App Store. Check back here, or ask the person who sent you this link.