Beyond this month

See where the money goes. And what to get ready for.

Write a payment down once, and you’ll always know what it costs per day, per month and per year. In any currency, at the rate of the day you paid.

Start free

Free forever · 50-day Plus trial

Coming in

$5,200

Going out

$3,180

Due in 7 days

$340

Owed to you

$1,280

USD 1.000EUR 0.923UAH 41.70GBP 0.781PLN 3.95CZK 23.2JPY 155.3CHF 0.87CAD 1.37SEK 10.4USD 1.000EUR 0.923UAH 41.70GBP 0.781PLN 3.95CZK 23.2JPY 155.3CHF 0.87CAD 1.37SEK 10.4

01 · Flows in a project

What is written down, when it comes, and what it really costs.

The statement won’t tell you this: what repeats, what it costs a day, and how much it adds up to in a year.

Salary

monthly · income

$100.00

per day

$36,500

per year

+4%

Rent

monthly · fixed

$37.50

per day

$13,700

per year

0%

Spotify

monthly · subscription

$0.36

per day

$131

per year

+12%

example.com

one-off · spread over 5 years

$1.52

per day

$555

per year

5y

Loan to a friend

repayment · in progress

$10.60

per day

$3,900

per year

−38%

Car insurance

yearly · reminder set

$2.28

per day

$832

per year

+7%

02 · The time axis

What was, and what’s ahead.

JUL 01

Rent

$1,140

JUL 14

Spotify

$10.99

JUL 21

You are here

JUL 29

example.com

$74

AUG 05

Loan to a friend

$325

AUG 12

Car insurance

$152

AUG 28

Salary

$3,040

A big payment doesn’t hang on one day. It’s spread over its whole term, so a heavy month stops being scary.

03 · How it goes

A project, a flow, and the rest is in plain sight.

01

Invite by link

Create a project

Personal, family, work or shared, with members, roles and analytics of its own.

02

10 seconds

Add a flow

A themed stream: “Subscriptions”, “Rent”, “Loan to Ivan”. Incomes and expenses live inside it, one-off and recurring.

03

Desk or pocket

Watch the analytics

Inside one project and across all of them: upcoming payments, the daily cost, the long-term dynamics.

The AI is already inside

  • PlusWrite an expense in plain words, and the AI files it into one of your flows
  • ProThe AI opens new flows on its own and takes your voice
  • ProIt reads your operations and suggests where to save

04 · Kinds of project

A project for the job: from personal to public.

When you create a project, you choose who sees it: you alone, your people, or anyone at all. Apart from those stands a private space, for records that should never leave in the clear.

Personal project

Your own money, sorted by meaning.

Flows sort income and spending by meaning: subscriptions, groceries, transport, a one-off like a holiday. A month where more went out than came in shows up straight away.

You alone
Came in100%
Went out118%

July spent 18% more than it earned

  • Subscriptions: how many piled up and what they cost over a year
  • A holiday or a repair: a one-off event in a flow of its own
  • Debts and instalments: what is left and when it ends
Shared project

Count together, without rebuilding it from memory.

Members, roles and shared analytics. Every entry has a name on it, so each person’s share adds itself up instead of being dug out of a chat.

Your people
Anna45%
Boris35%
You20%

Shares follow what each one put in

  • A repair between two: who paid for materials, who paid for the work
  • A trip with friends: the common pot and who has not chipped in yet
  • A venture with a partner: revenue, costs and each one’s share
Public project

A report that assembles itself.

A public page shows the money as it is: every contribution and every expense, open by link, no sign-in.

Open by link
Donations100%
Food46%
Vet care31%
  • An animal shelter shows what was donated and what it went to
  • A homeowners association reports dues and repairs to its residents
  • Any shared cause: a class, a team, a volunteer drive
Private space

Records that stay with you.

Some records are not for anyone else’s eyes. A private space is encrypted right in your browser: only ciphertext ever leaves it, and only you can read it back.

Readable only by you

A personal perimeter, apart from shared projects · in Pro

Use cases

Find your scenario

Where the money goes

Salary arrives, money evaporates. Flows show where exactly, no archaeology in bank statements.

Family budget for two

Shared money without arguments: contributions add up on their own, and you always see who paid for what.

Several lives, several streams

Family, a side business, shared costs: each lives in its own project, with one combined overview.

Public fundraising

A fundraiser report that opens by link: every donation and every expense in plain sight.

Debts and installments

Who owes whom and when it ends: balances and reminders instead of mental bookkeeping.

Life in several currencies

Rent here, subscriptions there: every entry keeps its own day’s rate, and totals stop drifting.

05 · Plans

Free goes a long way.

50-day Plus trial on sign-up. No card, no nagging.

Two months free

Free

$0

forever, while you use it

  • Projects, flows, incomes and expenses
  • Personal and shared projects
  • One currency of your choice, historical rates
  • Upcoming payments and daily cost

Plus

50 days free

$3.33

per month

$40 billed once a year

  • Everything in Free
  • Write an expense in plain words, and the AI files it into one of the flows you already keep
  • Three currencies at once
  • Photo capture for expenses
Start free

Pro

Premium

$7.50

per month

$90 billed once a year

  • Everything in Plus
  • Here the AI opens new flows on its own and takes your voice
  • The AI reviews your operations and suggests where to save
  • Nine currencies at once
Start free

Full

Maximum

$15.83

per month

$190 billed once a year

  • Everything in Pro
  • Up to 150 projects, 50 of them shared
  • Fifteen currencies at once, up to 50 public pages
  • 50 GB for attachments
Start free

Enterprise

Your own installation

On request

scoped to your case

Talk to us
  • Everything in Full
  • The platform runs on your own servers
  • Your own brand: name, logo and domain
  • Data never leaves your perimeter
  • Limits and volumes sized to your load

Plan comparison

No rounding drift

Amounts are stored and summed to the last minor unit.

Timestamps in UTC

Stamped in UTC, shown in your timezone.

Transparent audit

Who added what, and where. Every change has a name on it.

Your data is yours

Private by default, exportable any time, encrypted at rest.

06 · FAQ

Any currencies you actually use, more than 160 of them. Free keeps one of your choice, Plus three, Pro nine, Full fifteen. Each entry is written into all of them at the rate of its own date, so last year’s totals never quietly change.

07 · Write to us

Tell us what’s missing.

A question, an idea, something broken? A few lines are enough. We reply by email.

Start tonight. Thank yourself in a month.

50-day Plus trial on sign-up. No card, no nagging.

Start free

No card required

Multi-Currency Expense Tracker — See Where Your Money Really Goes | Finance Flow 365