01
Complete your financial picture
Show details
A statement is the quickest way to start. In your account, you can also enter income, balances, liabilities and goals manually. Add context about your situation when setting up your profile.
From your data to a clear priority.
Start with the data you have. Add context about your situation and choose the step that makes sense for you.
FLOW · from data to decisionsIllustrative example
Your payments
SubscriptionsFeesHousingTransportLifestyleUtilities
Per year, if you maintain the change€1,644
FLOW[ Payments + your context ]
Emergency fund ›Goals ›Next step ›Possible monthly change€137Decisionis yours
Illustrative example. Not your data or guaranteed savings. FLOW does not move money. You choose your goals.IncomeWhat you have available
ExpensesWhere your money goes
LiabilitiesWhat you need to account for
GoalsWhat matters to you
FLOW
01Illustrative suggested priority
Start with recurring payments.
Choose which services to keep and which to change.
Illustrative exampleHow it works
From your data to the next step.
02
Choose your priority
Show details
FLOW organises the data available, flags possible money leaks and suggests what to review first. You add context and make the decision.
03
Take a concrete step
Show details
Review a service, prepare a cancellation notice or set an emergency fund plan. You check the documents and take action. Newer data helps compare the change.
From data to decisions
Intelligence that shows where to start.
Understanding where your money goes is a start. FLOW connects spending, your situation and goals, then suggests what to tackle first. It helps prepare the next step. You choose what to keep, cancel or change.
How to assess a change
A recommendation is not yet a result. After taking action, compare newer data over a similar period. This shows what has actually changed in your payments.
How should you approach saving and investing?
First, consider your emergency fund, debts and recurring expenses. For a short time horizon, access to your money matters. Investments can fall just when you need to withdraw. Over a longer horizon, consider risk, fees and diversification.
FLOW helps you understand your own figures and plan. This preview does not compare current investment offers, invest on your behalf or promise a return.
Illustrative example · from payment to next step
€13.99 / month
You pay for this service every month.
Illustrative example: €13.99 a month, or €167.88 a year if the price stays the same. Do you still use it?
Illustrative example. A recommendation is not confirmed savings.
Specific checksWhat FLOW reviews.
What FLOW reviews.
What you add.
Choose an area and expand the details. Payments, manually entered data and your answers provide the basis for recommendations.
01Recurring payments
The same merchant and a similar amount across periods may indicate a recurring payment. A short statement may not establish its frequency.
02Subscriptions under control
A streaming or software payment may be a subscription. FLOW flags it for review. You check whether you use the service.
03Possible duplicates
Two similar payments may deserve attention. They may not be an error: check the merchant, date and order before raising a dispute.
04Bank fees
Account, card and banking service fees can add up. Check them against your bank’s pricing and account terms.
05Spending changes
Comparing available periods shows changes by category. Assessing growth needs comparable data across several periods.
06Loan repayments
A regular repayment is a visible cost. The outstanding debt, interest and total cost need to be added from your contract.
07Tight cashflow
Income and spending over the available period show what is left over. Transfers between your own accounts and missing accounts can affect the result.
08Emergency fund
Add your available balances. Relative to expenses, they show how many months your emergency fund could cover. Payment history alone is not enough.
09Interest on your money
Check interest rates, fees and access to your balances. A statement alone cannot show the best account or current investment offer.
10First steps
FLOW suggests an order based on available data. You add missing information and decide which step makes sense for your situation.
A statement shows transactions. You check or add how you use services, loan terms, interest rates and your emergency fund balance. Comparisons depend on the period and completeness of the data.
Your next step