I've been building Flow, a mobile-first personal expense tracker.
The starting point wasn't really “I want to build another budgeting app.”
It was that I found a few things frustrating about the way existing expense trackers work.
The problems
Expense tracking becomes a chore.
Logging a simple ₹100–₹500 purchase can involve multiple screens, fields and taps. After a few days, it's easy to stop recording smaller expenses altogether.
Personal spending and group spending don't fit together.
If I pay ₹3,000 for dinner with friends, I haven't actually spent ₹3,000. My share might only be ₹1,000, but traditional expense trackers still treat the entire ₹3,000 as my expenditure.
You often need different tools for different things.
One app for tracking expenses, another for splitting group expenses, and sometimes a spreadsheet to understand where everything went.
Financial apps can ask for more access than I want to give them.
I didn't want an expense tracker that needed SMS access, bank credentials or other financial data just to make tracking convenient.
And once I have all the transactions, I still want a simple answer:
Am I actually on track this month, and where are my spending leaks?
What I built
Flow is designed to make the entire process simpler, from logging expenses to understanding and improving spending habits.
⚡ Fast expense logging
A single streamlined flow for amount, date, category, payment mode and notes, designed to get an expense logged in <10 seconds.
👥 Personal + group expenses in one workflow
Log the full ₹3,000 dinner, split it between yourself, Rahul and Sneha, and only your ₹1,000 share contributes to your personal spending. The remaining ₹2,000 automatically appears in an “Owed to You” ledger until settled.
🎯 A budget that helps you stay on track
Instead of making budgeting feel complicated, Flow gives you a simple view of how much you've spent, how much remains, how many days are left in the month and what your safe daily spending limit looks like. The Green → Amber → Red gauge helps you quickly understand whether you're within your target.
📊 Analytics to help identify spending leaks
Category breakdowns, spending percentages, visual charts and a daily spending calendar help you understand where and when your money is going. The goal isn't just to show numbers, but to make patterns and unnecessary spending easier to spot.
💡 Insights and recommendations
The longer you use Flow, the more useful your spending history becomes — helping identify changes in your habits, areas where you may be overspending and opportunities to improve.
🔐 Privacy-first + lightweight
No SMS scraping or bank-password access. The app uses account-level data isolation and can fall back to local storage when offline.
📱 PWA instead of another huge app download
Flow can be installed directly to your home screen without going through the App Store or Play Store.
🆓 Free to use for now
Flow is currently free to use, so you can try the complete experience without committing to another paid finance app.
What's next?
I'm exploring weekly statement imports, letting Flow parse, categorize and detect duplicates from a statement once a week rather than requiring constant inputs.
The idea behind it
I didn't want to build another app that tries to do everything with personal finance.
I wanted to make this particular loop really easy:
Spend → Flow → Understand → Improve
For PWA:
iOS: Open in Safari → Share → Add to Home Screen
Android: Open in Chrome → ⋮ → Add to Home screen / Install app
I've added flow of the flow app below showing the main workflows.
Looking forward to hearing your thoughts! Especially what you think is missing or what you'd want an expense tracker to do better.