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FLOW · intelligence for financial decisions

Less unnecessary spending, more room for your plans.

Your money should serve what matters to you. FLOW finds possible money leaks and helps you choose what to change and where to start. A statement is the quickest way to begin. You can also add your situation and goals manually. Decisions remain yours.

A couple having breakfast on a sunny terrace.
For the plans that matter to you.
From data to context
FLOW
Illustrative finding

Room for change

€137 per month
Restaurants and food delivery€45
Streaming services€31
Software€24
Bank fees€18
Possible duplicates€19
Suggested first stepChoose the payments you want to change.
Illustrative example · possible money leaks, not guaranteed savings
Illustrative finding

FLOW found €137 per month. You decide what to change.

In this illustrative example, FLOW brought together subscriptions, fees and everyday spending. It suggests a next step. You decide what to keep, cancel or adjust.

See the sample report Try your own monthly amount
Choose your priority

Intelligence that shows where to start.

FLOW connects spending with your situation and goals. It suggests a next step and helps prepare the documents. You decide what to keep, cancel or change.

How recommendations are formed
A couple on a walk together along the coast.
Illustrative decision journey
This payment repeats.

FLOW flagged a recurring service. You tell us whether you still use it.

A recommendation is not confirmed savings. Check the change against newer data.
A mother and daughter preparing a bicycle for a ride together.
Illustrative example · emergency fund
€900of a €3,000 target
With €150 set aside each month, 14 months remain. No interest included.
Give your money a purpose

More security today.
More possibilities tomorrow.

An emergency fund for unexpected expenses, or a plan to look forward to. Choose a goal and a monthly amount. FLOW shows how long it could take to reach it.

Try emergency fund and goals
A simple start

From your situation to a concrete step.

You do not need to have everything ready. Start with the data available and build your financial picture over time.

Upload a statement for free How it works
A woman with a phone at a table in a bright home.
Three steps with FLOW
Show your situation.

Start with a statement. You can also add your situation and goals manually.

You decide. FLOW helps prepare your next step.
A father safely holds his smiling daughter while playing in the garden.
Trust matters.
Your data under your control

Trust starts with clear rules.

You know who operates FLOW, where data is processed and what you approve before you begin.

How we handle your data

No banking password.

Start with an exported statement, without connecting your bank.

Loaded in your browser.

Structured files load locally and may be stored temporarily.

External processing with your approval.

Optional AI reading of PDFs and photos, and chat, use Anthropic in the USA.

Your next step

More money for your life. Start today.

FLOW helps you find spending you could change and free up money for what matters to you.

Upload a statement for free No payment card needed. Decisions remain yours.