Record income once. WealthFlow splits it into virtual wallets — living costs, investments, emergency fund, giving, goals — reminds your clients when payments are due, and tracks every expense against its wallet. You always know exactly what you can spend today.
Most apps show you where money went. WealthFlow decides where it goes the moment it arrives — then keeps you honest.
One real bank account, many purposes. Define wallets with percentages — 30% living, 20% investing, 15% emergency, 10% giving… Every income you record is split to the cent (largest-remainder method, so it always adds up exactly). Different rules per income stream if you want.
One number that answers the only question that matters on a Friday: what can I actually spend without touching savings?
Salary, retainers, rent, SaaS revenue — each with a payer, amount and due date. Cycles turn due and overdue automatically, and one tap drafts the reminder to send your client.
Money you lent and money you owe, with who, how much and when. Never lose track of a loan to a friend or a supplier balance again.
Tithe, zakat, family support, charity — a dedicated giving wallet and a monthly budget so generosity is planned, not improvised.
Every expense is paid from a wallet. See utilisation bars, catch overspending early, and compare month on month.
Cash, shares, crypto, land, vehicles, equipment, your business — track real assets and watch net worth grow, not just your bank balance.
Emergency fund, wedding, a plot of land, a new laptop. Set a target and a date, contribute from your wallets, and watch the bar move.
Tanzanian shilling, Kenyan shilling, Nigerian naira, US dollar, euro, pound and more — formatted properly everywhere. Works on any phone browser; no app store required.
No bank logins, no mobile-money PINs, no data selling. Bcrypt-hashed passwords and strict per-account isolation. How we protect you →
No bank connection needed. You stay in control of what gets recorded.
Start with our sensible defaults or create your own wallets. Percentages must total 100% — WealthFlow checks the maths for you. Add your income streams and their due dates.
Salary, freelance invoice, business revenue, rent, dividends. Mark a stream as paid or type a one-off amount — the engine allocates it instantly across your wallets.
Log expenses from the wallet they belong to. Your dashboard shows wallet balances, free money, overdue payments, savings rate and goal progress in real time.
Type an amount. This is exactly what happens inside WealthFlow the moment you record income — using the default rules every new account starts with.
Inside the app you can rename buckets, change percentages and colours, and mark which bucket is your “free spending” money.
Start allocating my real incomeWealthFlow never asks for your bank login or mobile money PIN. You record what you want, and we protect it like it's ours.
We're in early access and we'd rather have your feedback than your money. Everything below is included today at no cost.
Full access. No card, no trial clock, no feature gates.
When we add paid features, people who joined during early access keep everything they have today.
Yes. WealthFlow is free during early access with every feature unlocked. We may introduce an optional Pro tier later for advanced features, but your existing data and core features stay free. We will never sell your data.
No. WealthFlow is deliberately manual-first: you record income and expenses yourself. It takes seconds, works with cash, M-Pesa, Tigo Pesa, bank transfers — anything — and means we never hold your financial credentials.
Absolutely. On the Wallets page you can rename wallets, adjust percentages and colours, and even set different splits per income stream. Rules must total 100% and apply to every new income you record from then on.
USD, EUR, GBP, CAD, AUD, JPY, CHF, INR, BRL, ZAR, TZS, KES and NGN today. Pick yours in Settings and every amount formats correctly.
Yes. WealthFlow is a responsive web app — open it in any mobile browser and add it to your home screen. No app store, no updates to install.
Yes. Deleting your account removes every income, expense, asset, goal and rule you created. Nothing is kept.
Create a free account in 30 seconds. Record one income. See what disciplined money feels like.
Create your free account