Hey Product Hunt! 👋 I'm Garrett, creator of FundFlow. What inspired me to build this? I got really into personal finance about two years ago and became obsessed with one question: How do I save as much as possible toward my goals while still being able to spend leftover money guilt-free? That second part was key for me. I didn't want to feel guilty every time I bought coffee or went out with friends. But I also didn't want to wonder if I was sabotaging my savings goals. How it started: I built a dead-simple website for myself. I'd input my paycheck amount, and it would split it into preset "buckets"—different savings accounts, retirement, emergency fund—based on percentages I set. Nothing fancy, just enough to stop me from overthinking every paycheck. It worked... but it was still manual. I had to track my spending separately, manually enter my bills, and constantly recalculate if anything changed. What problems was I trying to solve? The real problem wasn't tracking expenses (plenty of apps do that). It was decision fatigue around paychecks. Every two weeks: "Okay, I got paid. How much to save? How much are to bills? What about that credit card? Can I afford to spend $100 this weekend without derailing everything?" I wanted to eliminate that mental math and the guilt that comes with uncertainty. How my approach evolved: Started with: Simple percentage-based bucket calculator ↓ Realized I needed: Full budget tracking and bill management ↓ Users asked for: Debt payoff optimization (turns out everyone has student loans or credit cards) ↓ Freelancers asked for: Business expense tracking, separate from persona.l ↓ Built: Smart Paycheck Allocation engine that handles ALL of it The big breakthrough was realizing people don't think in monthly budgets—they think in paychecks. "I get paid Friday, what do I do with this money?" That's the question FundFlow answers. What FundFlow does now: Personal Finance: ✅ Automatic paycheck splitting – Set your percentages once, never think about it again ✅ Link all your accounts – See everything in one place (via Plaid) ✅ Track spending vs. budget – Know where your money actually goes ✅ Debt optimization – Snowball or Avalanche methods with payoff timelines ✅ Guilt-free spending number – After bills, debt, and savings, here's what you can spend Business Features: ✅ Business account support – Track business expenses effortlessly, separate from personal expenses 🚧 IRS Category exports – Coming soon! Export your business data organized by IRS categories for tax time (perfect for freelancers, gig workers, and small business owners) Current status: Web app live at myfundflow.app Mobile app coming soon (React Native) What I learned building this: Testing is everything for financial apps. One wrong calculation and users lose trust instantly. That's why I built the backend to 90% test coverage before even thinking about marketing. Also: Building in public helps. I've been posting daily standups and got incredible feedback from people dealing with the same paycheck anxiety I had—including freelancers who needed business expense tracking that didn't cost $50/month. Why I'm here today: I'm looking for honest feedback from real users. The core features work great, but I want to know: What features are you missing? What's confusing or frustrating? What would make this a must-have tool for you? Is the Smart Paycheck Allocation actually solving the problem, or does it need tweaking? Questions for you: How do you currently split your paychecks? Do you struggle with the "can I afford this?" question? Freelancers/business owners: How do you separate business from personal expenses? What would make paycheck planning easier for you? Try it out at myfundflow.app and let me know what you think! You can sign up for free and test the core features. Drop a comment here or DM me with your feedback—I read and respond to everything. Thanks for being here and supporting solo builders! 🚀

FundFlow

Finally know exactly how to split every single paycheck

Finally know exactly how to split every single paycheck