MoneyFlow™ — Your Money, Organized.

MoneyFlow™ is a premium personal finance planner built in Google Sheets to help you organize, understand, and manage your everyday finances from one centralized workspace.

Track your income, expenses, bills, savings, debt, budgets, financial cycles, upcoming payments, and net worth — while using built-in analysis tools to understand where your money is going.

Everything you need in one place

📊 Interactive Financial Dashboard
💰 Budget Targets & Spending Caps
💵 Free Cash / Net Remaining
🧾 Smart Financial Records & Ledger
📥 Automated Bank Statement CSV Import
📤 CSV Ledger Export
💳 Debt & BNPL Tracking
📅 Payment Due Radar
🔄 Carry Forward & Rollover
📈 Visual Net Worth Tracker
📊 50/30/20 Budget Analysis
🔁 Flexible Financial Cycles
🌎 65+ Currencies
🌐 12 Interface Languages
🌓 Light & Dark Modes

What MoneyFlow™ helps you do

📊 See your finances at a glance

Monitor:

• Income
• Expenses
• Bills
• Savings
• Debt
• Free Cash
• Budget progress
• Financial allocation

The dashboard brings your active financial cycle into one visual workspace.

💰 Plan your budget

Set income goals, spending caps and savings targets directly from your financial account cards.

MoneyFlow™ compares your actual recorded figures against your planning targets and provides status indicators such as:

Surplus · On Track · In Progress · Over Budget

📥 Import bank statements

Save time by importing supported bank or card statement CSV files.

MoneyFlow™ can detect common transaction fields such as:

Date · Description · Amount

You can review the imported records before adding them to your financial ledger.

🧾 Manage your financial records

Use the integrated transaction ledger to:

• Search records
• Filter by category
• Filter by due dates
• View the active financial cycle
• Access historical records
• Edit transactions
• Delete transactions
• Export records to CSV

💳 Track debt & BNPL

Manage installment-based obligations and debt in one place.

Supported BNPL workflows include:

• Koko
• Payzy
• Mintpay

Track installment progression, remaining balances, payment frequency and debt status.

📅 Never lose sight of upcoming payments

The Payment Due Radar highlights:

• Overdue payments
• Payments due today
• Upcoming payments

Use the available payment actions to keep your obligations up to date.

📈 Understand your net worth

The Visual Net Worth Tracker provides a longer-term view of your financial position using recorded:

Assets − Liabilities = Net Worth

It also provides a historical trajectory and debt-to-asset view based on the information entered into your planner.

📊 Analyze your spending with 50/30/20

MoneyFlow™ includes a built-in 50/30/20 Rule Analysis that compares your active-cycle allocation across:

• Needs — 50%
• Wants — 30%
• Savings & Debt — 20%

Use it as a budgeting reference to understand how your current allocation compares with the framework.

🔄 Manage different financial cycles

MoneyFlow™ isn't limited to the calendar month.

Choose from:

• Standard calendar month
• Salary / payday cycle
• Custom date windows
• Cycle anchor presets

A cycle-lock system helps keep your active planning period from changing unexpectedly while you're working.

🌎 Make MoneyFlow™ work your way

Choose from:

65+ currencies
12 interface languages
Light & Dark modes

Your preferred settings can be used throughout the financial workspace.

🔐 Built around Google Sheets

MoneyFlow™ works within your personal Google Sheets/Google Drive environment rather than being a traditional hosted financial account.

Your personal copy remains in your Google Drive, while the planner operates through the configured Google Sheets structure.

What you receive

• MoneyFlow™ Google Sheets Personal Finance Planner
• Interactive financial dashboard
• Budget targets & spending caps
• Free Cash / Net Remaining
• Smart transaction ledger
• Automated CSV bank statement importer
• CSV export
• Debt & BNPL tracker
• Payment Due Radar
• Carry Forward & Rollover
• Visual Net Worth Tracker
• 50/30/20 Rule Analysis
• Flexible financial cycle management
• 65+ currency options
• 12 interface languages
• Light & dark interface modes
• Digital user guide

Important information

Digital product: No physical product will be shipped.

Google account required: A Google account with access to Google Sheets is required.

Personal copy: You will create your own copy of the MoneyFlow™ planner in your Google Drive.

Financial disclaimer: MoneyFlow™ is a personal financial organization, budgeting, and tracking tool. It does not provide financial, investment, tax, accounting, or legal advice.

Demo data: Figures shown in promotional screenshots are demonstration data and do not represent your personal financial situation or guaranteed financial results.

Calculation disclaimer: Results depend on the information entered into your MoneyFlow™ file and the formulas/configuration used by the planner. Review important figures before making financial decisions.