Smart Dashboard
See every connected account, recent transaction, pending split, and upcoming card or loan payment in a single view.
Money shared.
Friendships kept.
FlowFin connects your accounts, syncs transactions, reminds you before card and loan payments are due, and lets you split expenses with friends — without the awkward “you owe me” conversations.
FlowFinPlaid connectedSync Ready
Total Connected Balance$17,090.55
Checking + savings + creditIllustrative preview data
Whole FoodsGroceries$124.50Split PendingUber TripTransport$32.40Split ActiveAirbnb CabinTravel$840.00Not Split
Plaid Link integrated
Built for shared expenses
Deterministic money math
CSV & PDF exports
Try Plaid demo versions of institutions including
ChaseWells FargoAmerican ExpressBank of AmericaCapital OneCredit unions
Features
Everything you need to manage money together
From linked-account visibility to flexible expense splitting, FlowFin brings personal finance and shared balances into one workflow.
Transaction Sync
Plaid-powered connections pull transactions and organize them by merchant, category, and date. Recategorize or split many at once.
Flexible Expense Splitting
Split any transaction equally, by exact amount, percentage, shares, or adjustment, with multiple payers.
Accounts & Payment Due Dates
Link checking, savings, credit cards, student loans, and mortgages. Sync on your schedule and get reminded before a payment is due.
Spending Analytics
Explore spending by category and account using the transactions persisted from your linked accounts.
Settle Without Guesswork
Record partial payments, confirm external settlements, reverse mistakes, and simplify group debts.
Up and running in minutes
No spreadsheets. No manual reconciliation. Connect, sync, and split — FlowFin keeps the workflow together.
01
Connect Your Account
Open Plaid Link and add a demo bank. FlowFin uses Plaid’s test environment, so no real bank data is ever connected.
02
Track & Categorize
Accounts sync automatically on your schedule, keeping your dashboard, activity list, spending reports, and payment reminders up to date.
03
Split & Settle
Choose a transaction, invite friends, calculate each share, and record or confirm the settlement.
Security First
Your financial data deserves careful protection
FlowFin uses demo bank data only, so your real bank login and transactions never touch it. Tokens are encrypted, passwords are hashed, and sessions rotate automatically.
Encrypted Plaid Tokens
Plaid access tokens are encrypted with AES-GCM before they are stored and are never sent to the browser.
Demo Bank Data Only
FlowFin connects to Plaid’s test environment, never to real banks, so no real bank credentials or transactions are ever involved.
Protected Sessions
Passwords use Argon2id, access tokens stay in memory, and HTTP-only refresh cookies rotate on every use.
Two-factor ready
Add an authenticator app for an extra step at sign-in, and review or sign out active sessions from Profile & Settings.
Made for the moments money gets shared
FlowFin brings common shared-finance scenarios into a consistent, auditable workflow.
“Keep rent, groceries, and utilities in one shared history instead of reconciling a spreadsheet every month.”
Shared householdsGroups, comments, adjustments, and partial settlement“Turn a trip full of dinners, taxis, and stays into clear balances and a smaller set of final payments.”
Group travelMultiple payers and simplified group debts“See where linked-account spending goes, then split the transactions that belong to friends or housemates.”
Everyday spendingPlaid sync and categorized analyticsFrequently asked questions
Who can use FlowFin?
Anyone. FlowFin is a free, non-commercial personal project, and while it runs on demo bank data sign-up is open — create an account with any email address.
How does FlowFin connect to a bank?
FlowFin connects only to Plaid’s Sandbox, a test environment with simulated banks. Sign in to any bank in Plaid Link with username user_good and password pass_good — never your real bank login. The accounts, balances and transactions you see are sample data.
Is my financial data secure?
FlowFin never connects to your real bank, so your real balances and transactions are never stored here — linked accounts hold Plaid demo data only. Your account details and the expenses you enter are still protected: Plaid access tokens are encrypted before storage, passwords are hashed with Argon2id, and sign-in sessions use rotating HTTP-only cookies. You can add two-factor authentication at any time.
Will FlowFin remind me when a payment is due?
Yes, for credit cards, student loans, and mortgages whose lenders share payment details through Plaid. FlowFin shows the due date and amount, alerts you on the dashboard, and notifies you before the due date, on the day, and if the lender reports it overdue. Auto loans and home equity lines aren’t available from Plaid yet.
Can I split expenses with people who don't have FlowFin?
Not yet. Everyone in a split needs a FlowFin account; find friends by username or email and invite them in the app.
Which banks and institutions are supported?
None with real data. FlowFin uses Plaid’s demo versions of US banks, card issuers and credit unions, so you don’t need a bank account to try it. International students are welcome; US citizenship or permanent residency is not required.
Ready to stop chasing payments?
Create a free account and keep linked transactions, shared expenses, and settlements in one place.