F2F-Flow is a free, private expense tracker that shows the one number that matters on the road to financial independence: how much of your income you keep.
🔔 Notify me at launchNo account. No bank login. No tracking. Your data never leaves your phone.
Your savings rate decides how soon you can stop working, far more than any fund pick. Flow puts it front and centre every month, with the trend, so you can see whether you're getting closer.
A clear hero number with a trend arrow against last month.
Add an expense or income in seconds; recurring transactions are handled for you.
Per category, by amount or percentage, with alerts before you overspend.
Keep the detail when you want it.
Set a target and track your streak and consistency.
Spending, income and net over time.
Export CSV, make encrypted backups, restore any time.
Face ID or fingerprint, and an optional PIN.
No sign-up. No bank credentials, ever. No analytics, ads or third-party SDKs in the app. Everything lives in local storage on your device, so we couldn't see your finances even if we wanted to.
Read the privacy policy →F2F-Flow is free, with no ads and no subscription. We build it as part of Fire2Freedom, a set of tools for people working toward financial independence.
Flow tracks what you save. F2F-Folio tracks what you've built: your portfolio, privately, on your own computer.
Meet F2F-Folio →Yes. No ads, no subscription, no paywall.
From F2F-Folio and our desktop tools. Flow is how we meet people who care about the same things.
Only on your phone. If you lose the phone without a backup, we can't recover it, so use the backup feature.
No. You enter transactions yourself, and no bank login is ever asked for.
iPhone first, via the App Store. An Android version on Google Play is planned after that.
Yes: CSV export and encrypted backup and restore.