Family and an emergency fund
A fund for the unexpected.
An emergency fund helps you handle unexpected expenses. Choose a target and monthly contribution, and see how long it could take to build.
Calculate your emergency fund planGive the money left over a clear purpose.
Try illustrative planning for your emergency fund and goals. Choose a monthly amount you can afford.
01 · illustrative finding
Example: FLOW found €137 a month. You decide what to change.
FLOW suggests a next step. You choose what to keep, cancel or adjust.
Illustrative data. The amount found is not guaranteed savings.Restaurants and food delivery€45
Streaming services€31
Software€24
Bank fees€18
Possible duplicates€19
02 · if you actually free up the amountWhat could €137 a month become?
If you put €137 into a savings account every month and do not withdraw it:
€1,644your contributions over 1 year
No interest included. The calculation assumes the same monthly contribution, with no withdrawals or fees. Inflation is excluded.03 · illustrative possibility, not a forecastWhat about regular investing?
The same €137 a month. With funds or shares through a bank or another provider, market movements, risk and costs matter.
Choose an illustrative annual return
Illustrative value at 5 % per year€1,681Before fees and taxes. Inflation excluded.
- Your contributions
- €1,644
- Illustrative difference
- €37
An investment can fall below the amount contributed. A bank does not guarantee returns. This scenario is not an expected return or a recommendation to invest.
Calculation assumptions and sources
A €137 contribution at the end of each month, a selected constant effective annual return converted to monthly rates, and reinvested returns. No withdrawals, fees, taxes or inflation. Markets do not actually move steadily. The model does not simulate their fluctuations.
Investor.gov · the impact of feesVanguard · risk and illustrative calculations
04 · give your money a purposeSaving is a start. What comes next?
FLOW helps connect the amount available with your situation and goal.
FLOW helps you plan. It does not move or invest money. You choose the next step.What FLOW brings you
From unnecessary payments to your plans.
Choose what you want to tackle. Payments you no longer need, your emergency fund or a specific goal. Try the illustrative previews without registering.
01 / Free up money
Recurring payments under control.
FLOW identifies recurring payments and shows what they add up to over a year. You choose which still make sense. For the others, it helps prepare a cancellation.
Find your first priorityRecurring paymentIllustrative example
Streaming serviceThe same amount every month
June€13.99
July€13.99
August€13.99
Over 12 months€167.88
Next step1 / 4
Review the service and contract terms.
You pay €13.99 for this service every month. Do you still use it?
If the price stays the same, that is €167.88 a year. A statement does not show whether you use the service. Review it and the contract terms before deciding.
Money in real life
Your life shapes your priorities.
Cover an unexpected expense. Plan a trip together. FLOW helps turn goals into a specific amount and timeframe.
Goals and shared experiences
Give your plans a clear goal.
Enter the cost of your trip and the amount you can save each month. See when you could reach your goal, without interest.
Plan your goalYour next step