BudgetFlow
Plan your budget as money flowing between your accounts
Multi-step flows, smart flows and shared budgets do what your spreadsheet formulas cannot.
The same budget, drawn as the path your money takes
BudgetFlow knows how money moves and calculates the amounts for you
Multi-step flows follow the real path of your money
Rent is one row, and which account pays it and how the money gets there lives in your head.
One flow passes every account on the way, and each step carries the amount, so every account shows what goes in and out.
This is one flow with three steps: Main Account, Bills and Rent. Bills shows the 1485 passing through it, and you add another step with one click.
Smart flows recalculate when anything changes
Formulas work out what is left, and they need fixing whenever you add a row.
Smart flows compute their own amount, so when your rent changes your savings update with it.
The smart flows calculated the 367 for Bills and the 2668 for Savings.
Share a budget without sharing everything
You copy the sheet for your partner, and the two copies drift apart.
Each member of a shared budget picks the accounts to share, and everyone sees those accounts and the flows between them while everything else stays private.
Anna and Ben each pay into the joint account, and whatever is left goes to the holiday fund.
Details that keep a larger budget correct
Mistakes get flagged
A warning lists accounts that pay out more than they get, cash left over, and smart flows that carry nothing.
Any interval
Enter amounts daily, weekly, biweekly, monthly or yearly, view the whole budget in any of them, and type math like 33.5 * 4 as an amount.
Beyond the monthly budget
Plan investments over the years and split shared expenses with a group. About investment planning
Try every feature on the live budget below
You need no account to try it, and your changes are not saved.
- Add a flow by clicking Flow and typing a From and a To name. New names are created for you.
- Add steps with Step in the form to route the flow through more names.
- Make it smart by picking a type: fixed amount, take missing cash or send excess cash.
- Edit anything by clicking a name or a band in the chart.
- Switch the interval to see the budget per day, week or year. The ⚠ next to the title lists issues.
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Build a complete budget step by step
Each tutorial builds a real budget flow by flow and shows the chart after every step.
A Freelancer Budget That Sets Aside Taxes First
Build a freelancer budget step by step: client payments into a business account, a tax reserve, and a smart flow that pays you the rest as a salary.
How to Budget as a Couple with a Joint Account
Set up a couple budget with a joint account: split shared costs by income, cover rent and groceries, and keep personal savings separate.
How to Save for Yearly Bills with a Sinking Fund
Spread car insurance, taxes and holidays over twelve months with a sinking fund, built step by step in BudgetFlow with multi-step flows.
The 50/30/20 Budget, Set Up with Smart Flows
Build the 50/30/20 budget step by step: split your income into needs, wants and savings with math in amounts, and let a smart flow handle the 20%.
Every feature is free, with an optional supporter plan
Supporters fund ongoing improvements and new features for the project.
Free
- Unlimited budgets
- Unlimited investment plans
Supporter
- Unlimited budgets
- Unlimited investment plans
- Help the project's development
Move your budget from a spreadsheet into a flow chart
Setting up your accounts and flows takes a few minutes and costs nothing.