FREE TO START · NO CREDIT CARD · NO KYC

The financial app
built for the rest of the world

Most finance apps are built for Americans with US bank accounts. FlowFund is built for Pakistani freelancers, UAE expats, Indian students, African entrepreneurs — and everyone else ignored by the status quo.

Start for free — no card neededSee what's inside
20+
Countries
20+
Languages
12
Modules
$0
To start
0
KYC required
DASHBOARD
$12,450
▲ +$340 this month
INCOME
$4,200
EXPENSES
$3,860
AI INSIGHT
You are saving 9% of income. Increase to 20% by reducing food spend by $180/mo.
72
SCORE
3
GOALS
$340
SAVED
Dashboard
For YouBudgetingInvesting
The 50/30/20 rule changed my life
@financecoach · 14.2K views
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Finance Reels
TAX RADAR · PAKISTAN
PKR 48,000
Estimated annual tax
BRACKET: 12.5%
PKR 2.4M – 3.6M income range
Deductions tracked
Office rentPKR 120,000
EquipmentPKR 45,000
TransportPKR 18,000
Tax Radar
Who It's For

Built for people the big apps forgot

YNAB is American. Monarch doesn't support Pakistan. Copilot is iOS only. FlowFund works everywhere.

Freelancers
Track client income, MRR, quarterly taxes in 20+ countries, and business expenses — all in one place. No accountant needed.
Tax Radar saves an average of $1,200/year in missed deductions.
Students
Start your financial journey. Budget your first salary, set savings goals, learn with free video courses, and track net worth from day one.
Academy has courses starting from absolute zero — no finance background needed.
Expats & Global Users
Works in 20+ languages. Tax estimates for your country. Multi-currency net worth. Financial guidance that actually applies to where you live.
Supports Pakistan, UAE, India, UK, Germany, Nigeria and 15+ more countries.
Founders & Side Hustlers
MRR dashboard, client tracker, ARR projections, and expense tracking for your business — alongside your personal finances.
The only personal finance app with a built-in business revenue module.
The Platform

9 tools. One subscription.

Everything you need to manage your money, pay off debt, grow income, and plan taxes — in a single app.

AI Financial Advisor
Get a financial score, cashflow forecast, and a specific weekly action plan — based on your real numbers.
Debt Payoff Planner
Avalanche or snowball strategy. Exact month-by-month timeline. Calculates your debt-free date automatically.
Tax Radar — 20+ Countries
Live tax estimates for Pakistan, UAE, UK, India, USA and 15+ more. Track deductions. Know your quarterly bills before they arrive.
Revenue & MRR Tracker
Built for freelancers and founders. Track recurring vs one-time income, MRR, ARR, and client-by-client revenue.
Finance Reels Feed
Short financial education videos — budgeting tips, investing basics, side hustles — served in your language and region.
Net Worth Tracker
All your assets and liabilities in one place. Live crypto prices. Track your wealth growing month by month.
Bills Calendar
See every bill due date on a monthly calendar. One tap to mark paid — automatically creates a transaction.
Household Sharing
Invite your partner or family. Shared budgets, goals, and bills — everyone sees the same financial picture.
Academy + 12 Calculators
Video courses with XP, quizzes, and certificates. Plus compound interest, FIRE, loan, mortgage, and 8 more calculators.

How FlowFund compares

The only app with global tax, multi-currency, and business income — all in one place.

FeatureFlowFundYNABMonarchCopilot
AI Financial Coach~~
Global Tax (20+ countries)
Multi-Currency
Business Revenue / MRR
Finance Education (Reels)
Debt Payoff Planner~~
Bill Calendar
Household Sharing~~
Crypto in Net Worth
Pay with Crypto (no KYC)
~ = limited · — = not available
Pricing

Simple, honest pricing

Pay with card, or anonymously with crypto. No KYC.

MonthlyAnnual –17%
Free
$0
Forever free
Dashboard + AI score
50 transactions/month
2 savings goals
3 Academy courses
Basic debt tracker
Start free — no card
MOST POPULAR
Pro
$19/mo
Everything in Free
Unlimited transactions
Full AI Advisor
Revenue / MRR module
All Academy courses
Debt Payoff planner
Tax Radar — 20+ countries
Bank Sync + CSV import
Net Worth tracker
Bills calendar
Household sharing
CSV export
Start Pro
Team
$39/mo
Everything in Pro
Up to 5 household members
PDF financial reports
Priority AI
Vault document storage
Admin dashboard
Early feature access
Start Team
256-bit encrypted
GDPR compliant
No KYC ever
Pay with crypto
Cancel anytime

Common questions

Start today. It's free.

No credit card. No KYC. No US bank account required. FlowFund works for you wherever you are.

Create free account