Hey Product Hunt! MoneyFlow started as a personal tool. I wanted to track my investments and net worth in one place without linking my bank account or paying for an expensive app. Every app I tried either required bank linking to work, was too complex, or was built only for the US market where Plaid and bank sync actually work. So I built something for myself. Then I kept adding to it. Today MoneyFlow tracks your full financial picture: - Net worth across all your assets - Daily spending with a Safe to Spend number - Debt payoff progress - Savings goals - Investment tracking All without linking your bank account. Ever. The core idea is one number called Safe to Spend. It tells you exactly what you can spend today after all your bills and goals are covered. Not your bank balance. Not your budget category. Your actual safe number. What makes MoneyFlow different: - No bank linking required, ever - Works fully offline - Your data stays on your device - No ads, no selling your data - Free to start I am a solo developer building this in public with zero reviews so far. I am looking for honest feedback from real users. If you track your money manually, invest regularly, or just want a simple clear picture of your finances without giving any app your bank login, MoneyFlow was built for you. Would love to hear what you think.

MoneyFlow App

Safe to spend and net worth tracker app.

Safe to spend and net worth tracker app.