Your money,Understood Automatically.
FLOW reads your UPI and bank SMS the moment they arrive, categorises every transaction, and sends you a weekly insight on WhatsApp — automatically. Nothing to log. Nothing to set up. Your data never leaves your phone.
Axis Bank · UPI
Sent ₹486 to Swiggy
Captured & filed
FLOW
business account
Good morning 👋 Here's your week with FLOW.
9:00You spent ₹24,380 this week — ₹2,100 less than last week.
9:00Your Swiggy orders were ₹1,620 — that's 43% of your food spend. 🍔
9:00Oof, the weekend orders 😅
9:04−₹486
Swiggy
Today, 1:42 PM · UPI · Axis Bank
Mood
Tags
Tracking money shouldn't
feel like a second job.
Every finance app promises clarity. Then hands you a spreadsheet. Most people give up — not because they don't care, but because the effort never ends.
46%
Had no tracking system
Nearly half of our survey respondents weren't tracking at all before FLOW — not because they didn't want to, but because nothing was simple enough.
“Too much effort”
Was the top reason to quit
In our research, manual entry — logging every coffee, every UPI payment — was the single biggest reason people stopped using finance apps.
47%
Willing to pay for simplicity
Nearly half of our pilot users said they'd pay for FLOW — but only if the app truly removed the effort of tracking.
Figures are from FLOW's 2026 pilot survey of early users in India. Sample sizes are small and directional as we're still in closed beta.
FLOW flips the model. The work disappears. The clarity stays.
One idea. Zero effort.
FLOW does one thing better than anything else: it already knows what you spent — without you telling it anything.
- Log every transaction by hand
- Build and maintain budgets yourself
- Hunt for subscriptions you forgot about
- React to problems after they happen
- Read charts to understand your spending
- UPI and bank SMS captured the moment they arrive
- Budgets suggested from your actual spending patterns
- Weekly insight delivered to your WhatsApp every Sunday
- Notified before you go over budget, not after
- Your data stays on your phone. Always.
Three taps. Then nothing.
Setup takes under a minute. After that, FLOW runs itself.
- 01
Allow SMS access
One permission. FLOW reads your bank and UPI messages — nothing else. No bank login, no OTP, no credentials of any kind.
- 02
FLOW reads and files
Every transaction is captured, categorised, and stored privately on your device. Nothing goes to a server.
- 03
You get clarity on WhatsApp
Every Sunday, one WhatsApp message with the single most useful thing about your week: “Your Swiggy orders were ₹1,620 — 43% of your food spend.”
Simple to start. Invisible after that.
Every feature exists to remove effort, not add it.
SMS auto-capture
The moment a UPI payment or bank alert arrives, FLOW reads it and files it. You don't tap, log, or confirm anything.
Automatic categorisation
Groceries, transport, dining, bills — sorted correctly from the first transaction. 88% of our pilot users said it got it right most of the time.
WhatsApp weekly summary
Every Sunday, one WhatsApp message with one specific insight. Not a chart dump — the one thing worth knowing about your week.
Smart budgets
FLOW looks at how you actually spend and suggests realistic limits — not what you think you spend, what you actually do.
Budget alerts
A nudge when you're approaching your limit — before you go over, not after. Calm, not alarmist.
Spending insights
Clear, plain-language patterns surfaced only when they're worth knowing. “You spent ₹800 more on dining than last week — mostly weekend orders.”
Built in India, for how India actually spends.
Between UPI, bank SMS, and a dozen apps, money in India moves fast — and every tracker still asks you to type it all in by hand. We're a small team that got tired of that, so we're building FLOW: a tracker that already knows what you spent, keeps it private on your device, and tells you the one thing worth knowing each week.
We're building in public and shaping FLOW with feedback from our early community. Follow the journey on Instagram @budgetwithflow.
Pranav
Product & Design
Shashwat
Engineering
Your money stays on your phone. Full stop.
Most finance apps send your transaction data to a server. FLOW doesn't. Everything is stored locally on your device, encrypted. We genuinely cannot see your spending — and that's by design.
No bank login. No OTP. No credentials.
FLOW reads only the SMS alerts your bank already sends you — the same message you'd open and read yourself. We ask for one permission, to read bank and UPI messages, and nothing else. You can revoke it any time from your phone settings.
Local-only storage
Your transaction data never leaves your device. Not to our servers, not to third parties, not anywhere. FLOW works offline.
256-bit encryption
All data stored on your device is encrypted using SQLCipher — the same standard used by banks. Unreadable without your device.
Delete anytime
One tap in Settings removes everything permanently. We don't keep a copy. We never had one.
Everything you want to know.
Still curious? Reach us at hello@myflowfinance.com
No. FLOW only reads messages from banks and UPI apps — the transaction alerts your bank already sends you. It cannot access personal chats, calls, or anything else on your phone. You grant one specific SMS permission; FLOW filters for financial messages only.
No. All transaction data is stored locally on your device using encrypted storage. FLOW has no server-side database of your spending. The only thing that leaves your device is the weekly summary — sent to your WhatsApp. The underlying transaction data stays on your phone.
Never. No bank login, no OTP, no credentials of any kind. FLOW reads the SMS alerts your bank sends you — exactly like you'd read them yourself. We don't touch your bank account in any way.
No. FLOW only reads and shows. It cannot initiate payments, move funds, or act on your accounts in any way.
Most expense apps require you to log every transaction manually. FLOW captures them automatically from your bank and UPI SMS — so there's nothing to enter. In our pilot, most users had no tracking system before because everything else was too much effort. FLOW removes that effort entirely.
Every Sunday morning, FLOW sends you a WhatsApp message with a single specific insight about your week — for example: “Your Swiggy orders were ₹1,620 this week, 43% of your food spend.” One message, not a report. The goal is one thing worth knowing, delivered where you already are.
We're in closed beta now. Join the waitlist for early access — waitlist members get priority and founding-member pricing.
See where your money actually goes. Without logging a thing.
Join the waitlist. We'll let you in early, and your feedback shapes what FLOW becomes.
- Zero manual entry, ever
- Your data stays on your phone
- Early access + founding pricing