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Achieve your Financial Goals
See what you will be worth in 10 years, know if you have the cashflow to pay that bill next month, gain insights into your debt and savings
This Month's Activity
A snapshot of your cash, income, expenses, and estimated tax for the current month.
Current Balance
£3,240.5
30d high: £5,867.52
30d low: £4,847.52
Income Due This Month
£4,150
Due next month: £4,650
Next 6 months avg: £4,233.33
Expenses Still Due This Month
£2,542.98
Due next month: £2,262.98
Next 6 months avg: £2,346.31
£686.67
Total estimated withholdings on gross income
Needs Review
2 transactions past due
Weekly Groceries
Sep 1, 2026 · 1 day overdue
Lunch & Coffee
Sep 1, 2026 · 1 day overdue
Over Budget
4 categories
| Category | Spent | Budget | Over by |
|---|---|---|---|
Transport | £400 | £150 | +£250 |
Eating Out | £415 | £200 | +£215 |
Groceries | £475 | £400 | +£75 |
Utilities | £130 | £120 | +£10 |
Approaching Budget
2 categories
| Category | Spent | Budget | % Used |
|---|---|---|---|
Rent | £1,200 | £1,200 | 100% |
Subscriptions | £72.98 | £80 | 91% |
Looking Good
0 categories
No categories here
Upcoming Transactions
View AllMonthly Salary
Sep 2, 2026
Freelance Design
Sep 2, 2026
Rent
Sep 2, 2026
Electricity & Gas
Sep 2, 2026
Internet
Sep 2, 2026
Netflix
Sep 2, 2026
Spotify
Sep 2, 2026
Gym Membership
Sep 2, 2026
Financial Health Score
Spending Insights
AI-powered monthly analysis of your spending
Your dining out spending is £270/month — that's £3,240/year. Consider cooking more meals at home to boost your savings rate.
Your savings rate is 28% — well above the recommended 20%. You're on track for financial independence!
Rent is your largest expense at 34% of income, which is within the recommended 30-35% range.
Net Worth
All your accounts, assets, and debts combined into one total. Click to expand the breakdown.
Savings & Debt
Track your total savings progress and outstanding debt at a glance.
Sinking Funds
View AllBalance Forecast
Your projected account balance over the next 6 months based on scheduled income and expenses.
Balance Forecast
Cash Flow
Long-range projection of your monthly income versus expenses over the next 10 years.
Monthly Cashflow
6 mo projection
Retirement / FIRE Calculator
5 years to FIRE
Projected date: Sep 2031 · at age 35
Net Worth History
Your net worth over time, since you started tracking
Total Change
+£22,383.34 (+38.9%)
Everything you need to plan ahead
Powerful tools, designed to be understood at a glance
10-Year Cashflow Forecast
See your balance projected months and years ahead, based on your real income and expenses.
Daily Forecast
A day-by-day view of every bill and payment, with your running balance after each one.
Budget Tracking
Set budgets per category and see exactly where you are against them as the month unfolds.
Goals
Set savings goals, track progress automatically, and see the date each one is on course to land.
Net Worth Tracking
Track assets, debts, and savings in one place. Watch your net worth grow over time.
What-If Scenarios
Model a new car, a job change, or an extra debt payment. Your figures change on screen only — your real data is never altered, so you can experiment freely and switch back any time.
Debt, Mortgage & Savings
Built-in calculators and other features for debt payoff, mortgage comparisons, and savings growth. See real time and projected interest, asset and debt balances on mortgages.
Emergency Fund Calculator
Work out the buffer you need, see how many months your savings cover, and track progress towards it.
Retirement / FIRE Calculator
Project the pot you need, your savings rate, and the age your investments could let you stop working.
Monthly AI Report
AI analyses your spending patterns and delivers actionable insights every month.
Bank Feeds, CSV or Neither
Choose between automatic bank feeds, CSV imports, or use without any bank feed at all. Export your data anytime — your data stays yours.
Flowstate Work — for the self-employed
A feature-rich, essential add-on if you work for yourself. Quote, invoice and run every job from the same place as your accounts, so the money side takes care of itself while you get on with the work.
- Branded estimates & quotes, converted to invoices in one tap
- Unlimited clients, projects and professional PDF downloads
- Hours & mileage logged per job, ready to invoice
- Materials lists with ordered / received tracking and easy sharing
- Receipts snapped onto the job, matched to your bank entries
- Payments matched to invoices, plus live job profit
- Client statements and project statements as branded PDFs
- Feeds straight into your VAT return and tax summary
Puncture. Dentist. School trip. Life doesn't check your budget first.
Trusted by people planning their future
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Simple, honest pricing
14-day free trial. No card required. Cancel anytime.
Flowstate Full Access
Billed monthly · cancel anytime
- Unlimited accounts & transactions
- 10-year cashflow forecasting
- What-if scenario modelling
- All calculators (debt, mortgage, savings)
- Monthly AI spending insights
- CSV & OFX bank import
- VAT/GST tracking & tax estimation
No card required · Full access during trial