Follow every dollar from paycheck to purchase.

Spend Flow brings your household’s accounts into one place, sorts every transaction with rules you control, and shows exactly where the money goes.

Request early access See how rules work

An example month. Point at any stream to follow it.

Teach it once. It sorts the rest.

Bank descriptions are a mess. Write a rule the first time you see one, and every past and future transaction like it lands where you want. Rules run in the order you set, so the specific ones win.

October transactions

Blue Bottle Coffee
Coffee
−$6.25
Costco
GroceriesBulk run
−$186.52
PG&E
Utilities
−$212.40
Tacos El Gordo
Dining out
−$31.80
Paycheck
Salary
+$4,600.00

Well-known merchants are cleaned up automatically. Your rules handle the rest:

IfPayee contains “COSTCO”Amount over $150thenGroceriesTag Bulk run
IfDescription starts with “PGE”thenRename to PG&EUtilities
IfDescription contains “GUSTO PAYROLL”thenRename to PaycheckSalary

Rules match on the description, payee, amount, account or owner. They can rename, categorize, tag, mark transfers or leave a purchase out of spending. Preview what a rule will change before you run it on past transactions.

Built for a household, not a single login.

Invite your partner, mark each account as yours, theirs or joint, and switch between everyone’s money and just your own. Categories, budgets and groups are all yours to shape.

Yours, mine and ours

Everyone sees the same budget. Filter any page down to one person’s accounts in a click.

Budgets that know what day it is

Each category shows where you’d expect to be by today, so you can ease off before the month runs out.

Net worth, with and without the house

Track everything you own and owe, from retirement accounts to the mortgage, or just the cash you can actually spend.

Every bill and subscription, found for you

Recurring charges are picked up from your history, with a calendar of what’s due and a flag when a price goes up.

Five minutes a week

Focus mode walks you through new transactions one at a time, so nothing piles up. Optional auto-categorization does the first pass.

Connect your banks.

Today, through SimpleFIN

1
Request access below and accept your invite.
2
Create a SimpleFIN Bridge account and link your banks there. It’s a separate service with its own small subscription.
3
Paste your SimpleFIN setup token into Spend Flow. Your accounts sync every day from then on.

Prefer not to connect anything? Import CSV statements and add accounts by hand.

Coming soon

One-step connections through Plaid

Pick your bank, sign in, and you’re done, without leaving Spend Flow. Plaid also brings in up to two years of history on day one. Choose “Wait for Plaid” when you request access and we’ll invite you when it’s ready.

Why I built Spend Flow.

I churn credit cards and I live in spreadsheets. At any moment I have a handful of cards open, each working toward a different bonus, and I want to see every swipe as clearly as I see the whole month.

Every app I tried fell short. Some were pricey. Some made their money from my data. The rest kept nudging me toward a new card, a loan or an investment account.

So I built the tool I wanted: simple enough to check in a few minutes, flexible enough to fit how my household really spends, and detailed enough to go from one coffee to the big picture in a click.

Joel Choi

Founder, Spend Flow

Every detail and the big picture: Drill into a single charge, then zoom out to cash flow, budgets and net worth.
Shaped around you: Your categories, your rules, your tags. Nothing is locked to someone else’s template.
No strings attached: We don’t sell your data, show you ads or pitch you cards, loans or investments.

Your money is nobody else’s business.

We don’t sell your data, show you ads or share it with anyone to market to you. Read the privacy policy

Shared with your household: Everyone in your household sees the same accounts, transactions and budget. Invite a partner from Settings → Invites.
What we store: Your accounts, balances and transactions, plus the categories, tags and rules you set up. Data is stored with Supabase and encrypted at rest.
Bank connections: Banks connect through SimpleFIN. We never see your bank login. Your SimpleFIN access link is encrypted, and we use it to sync once a day.
You’re in control: Disconnect a bank any time in Accounts. Household owners can permanently delete the household and all its data in Settings → Your data.

Request early access.

We’re opening Spend Flow to a few households at a time. Tell us a little about yours and we’ll send your invite.