Cadence
Farmers Dog lands three times this month.
Your biweekly schedule creates an extra occurrence this calendar month. The underlying payment amount hasn't increased.
View recurring payment
Cash flow meets clarity.
Simple budgeting
built for real cash flow.
Know what you can safely spend. See problems before they happen. Fix them while there's still time.
Add transactions by voice, let Flowline Check quietly compare your ledger against your bank activity to catch what you missed, and get AI-powered insights so you can spot timing issues, catch unusual patterns, and stay ahead of changes that matter.
Sample preview
Checking
September 2026
Flowline Check
Current
$812.40
Upcoming Income
$1,864.38
Upcoming Bills
$340.85
Month-end projected
$1,428.87
Due before next income
$59.13
Before Sep 4
Safe to spend
$213.98
Next 30 days · $350.00 cushion
Account Health · On track
Projected low $563.98
DescriptionStatusAmount
- Upcoming−$59.13
Farmers Dog
Pets
- Upcoming+$1,864.38
Paycheck
Income
- Upcoming−$281.72
TECO
Utilities
| Description | Day | Status | Amount |
|---|---|---|---|
Farmers Dog Pets | 1 | Upcoming | −$59.13 |
Paycheck Income | 4 | Upcoming | +$1,864.38 |
TECO Utilities | 10 | Upcoming | −$281.72 |
The Flowline model
Your money isn't a pie chart. It's a timeline.
Budgeting isn't just about where your money went. It's knowing what's due next, what's coming in, and what you'll have left.
Flowline is built around that reality.
Checking
30-day cash-flow path
A timeline, not a pie chart
Projected low
$563.98
Safety cushion
$350.00
Safe to Spend
$213.98
Plan ahead
Know what you can safely spend.
See problems before they happen.
Flowline watches the next 30 days of your ledger, accounts for upcoming bills and income, respects the cushion you choose, and shows how much is truly safe to spend.
Account Health explains whether everything is on track, a transfer may be needed, the cushion is at risk, or a real cash-flow shortfall is projected.
Checking
Plan ahead
Safe to Spend
$213.98
Next 30 days
Projected low
$563.98
Safety cushion
$350.00
Account Health
On track
Lock Screen · now
F
A transfer may be needed
Checking may need support to stay on track. Open Flowline to review.
Flowline notifies you when something meaningfully changes — not every time the numbers move.
Life doesn't wait for you to open a spreadsheet.
Tell Flowline what you spent. Voice Assistant fills in the details, asks only when it needs you, and lets you confirm before anything reaches your ledger.
Speak it or type it — you stay in control.
Voice Assistant
Capture the moment
Tap to speak
Spent twenty three ninety eight at Target on groceries.
Speak it or type it.
Flowline Assistant
Target
Groceries · Today
−$23.98
Ready to add?
Confirm
After you confirm
Target
ConfirmedGroceries
Flowline Check
A second pair of eyes for your ledger.
Optionally connect your bank and Flowline compares real activity with your plan. It flags what may be missing or mismatched, then you decide what belongs.
Nothing is added automatically. You stay in control.
Flowline Check
2 items to review
Missed activity
Flowline Check
Review 2 items
Chipotle
Sep 6 · $18.47
No matching Flowline transaction found.
Add to FlowlineMatch existingIgnore
Amounts off by a few
Match existing
Fidelity · Sep 12 · $1,234.56
Fidelity contribution
Sep 10 · $1,230.00 · Different amount
Amounts don't match
Bank shows $1,234.56. Flowline shows $1,230.00. Choose which is correct.
Use bank amount ($1,234.56)
Keep Flowline amount ($1,230.00)
AI Insights
Flowline notices what you probably missed.
Not just another spending summary. Flowline looks across your cash flow for timing problems, repeating patterns, small-charge buildup, possible duplicates, and other changes worth your attention. If there's nothing useful to say, it stays quiet.
Cash-flow timing
Your tightest point is just before payday.
Scheduled bills create a temporary low before your next income. Your Safe to Spend already accounts for those obligations.
Review Safe to Spend
Small charges
Streaming add-ons quietly added $58 this month.
Five charges of $15 or less total $58 in Subscriptions — easy to overlook individually, meaningful together.
Review recurring charges
Setup
Start with what you already have.
You do not have to rebuild your bills from scratch. Upload a bill image or payment schedule, find recurring bills and income from recent bank activity, or import what you already track in Excel or CSV. Flowline turns it into upcoming transactions for you to review.
Bill or payment schedule
Upcoming in Flowline
18 payments found
$838.70 total
- −$50.00
Walmart Gift Card
UpcomingAug 31 - −$25.00
Target Gift Card
UpcomingSep 5 - −$91.67
Safelite
UpcomingSep 7
Payment provider
Afterpay
Add 18 payments
Find from bank
Optional. Scans recent bank activity for bills and income that repeat — not a full transaction import. Nothing is added unless you approve it.
Import spreadsheet
Bring recurring bills over from Excel or CSV when you already keep them in a file.
Also in Flowline
Built around how household money actually works.
Shared household
Invite your household and plan from one shared financial view.
Reset the balance
When amounts drift by a few dollars, reset to what you actually have and keep going.
30-day forward planning
See upcoming bills, income, and Safe to Spend across the next thirty days — not just month-end.
Alerts only when something changes
Account Health alerts fire on meaningful shifts — not every time a number moves.
Pricing
Start free. Add more power when you want it.
Flowline's core cash-flow tools work without a bank connection. Flowline Plus adds powerful tools like Smart Import, Voice Assistant, connected banking, and AI-powered insights to help you stay one step ahead.
Feature
Free
PlusFlowline Plus
Cash-flow ledger
Included
Included
Monthly cash-flow projections
Included
Included
Recurring income & expenses
Included
Included
Household sharing
Included
Included
Import from spreadsheet
Included
Included
Spend analysis
Included
Included
Smart Import
—
Included
Voice Assistant
—
Included
AI-Powered Cash-Flow Insights
—
Included
Connected financial institutions
—
Up to 3
Flowline Check
—
Included
Automatic bank updates
—
Included
Latest bank balance
—
Included
On-demand bank transaction updates
—
Included
On-demand bank balance refresh
—
Included
Coming soon
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