Join 76 million Americans looking for better control of their money

Will You Regret This Purchase?

The only money app that shows you what you can REALLY afford—
before you buy, without the regret later.

73% of people regret their impulse purchases.
Nearly half miss their savings goals because of spending they wish they hadn't done.

Private Beta Opening Soon - Limited to 500 Early Users

First 500 users get lifetime access for $59
(Regular price: $9/month = $108/year)
You save $481 over 5 years

Bank-Level Encryption

It's Not Your Fault. It's Timing.

Your financial life runs on four forces that rarely sync up:

💰

Your Income

Hard to change, slow to grow

📈

Inflation

Completely out of your control

💸

Your Expenses

Split between what you need and what you want

⏰

Timing

When money flows in vs. when it flows out

Here's the truth: Between 2021-2023, prices rose faster than paychecks for 25 straight months. Even when your income grows, it's playing catch-up.

The good news? You DO control one thing: when you spend.

FlowInCash shows you the flow—so you can finally change the cycle.

Ever Bought Something, Felt Fine About It...

Then rent was due and you regretted it?
Your bank balance doesn't tell the whole story.

The Budget Trap

"I had $200 left in my dining budget... but rent was tomorrow and I overdrafted"

The Guessing Game

"I thought I could afford it, but then 3 bills hit at once"

The Regret Cycle

"Why do I keep doing this to myself? I swear I had enough money..."

Here's the problem: Budget apps say "You have $200 left in Dining!" but don't tell you that rent, car insurance, and utilities all hit before your next paycheck. FlowInCash solves this.

The average person has no idea what they'll have left by month-end. You shop on your phone—you need answers on your phone, right when you're shopping.

How FlowInCash Helps

Before you buy ANYTHING, we give you control over what happens next

Get a Second Opinion

Before you buy, ask: "Will I regret this?"

We show you:
✓ You're Good! - This fits comfortably
⚠ Think It Over - Borderline, maybe wait?
✕ This Could Hurt - You'd regret it later

See Your Next 3 Months

Know exactly when money's coming and going. We predict your balance week-by-week based on your bills, paycheck, and spending patterns.

Not "forecasts" - just your Timeline

Know What You Can Spend

See your "fun money" in real-time - after bills, goals, and savings. This is what you can actually spend without messing anything up.

Avoid "We Both Bought Stuff" Fights

Share your account with a partner or family. See each other's pending purchases so you don't both buy things and come up short.

How It Works

Get set up in under 60 seconds

Connect Your Bank

We use Teller - same security as Venmo. Takes 30 seconds.

We Learn Your Patterns

Our AI figures out where your money goes - no spreadsheets needed

Check Before You Buy

"Can I afford this $150 dinner?" - Get your answer in 3 seconds

Spend Without Regrets

No more overdrafts, surprise bills, or buyer's remorse

See the Flow. Change the Cycle.

Most people manage money backwards

The Backward Approach

They look at what they spent last month and try to spend less next month.

But your rent doesn't care what you spent last month.
Your car payment doesn't check your budget.
Life doesn't wait for payday.

The Real Problem: Timing

Your income flows in on a schedule (paychecks, gigs, side hustles).
Your expenses flow out on a different schedule (bills, subscriptions, surprises).

When these cycles don't sync up? Cash gets tight.

Not because you're overspending.
Not because you're bad with money.
Because the timing is off.

You Can't Fix What You Can't See

You have the most control over your expenses—specifically your wants (lifestyle spending).

But to time them right, you need to see:

When your next paycheck arrives
When your bills are due
What's left over (and when)
How far ahead you can commit

Traditional budgets can't show you that. FlowInCash can.

See 90 Days Ahead. Make Decisions That Work.

FlowInCash shows your cash flow timeline—where money comes in, where it goes out, and most importantly: when you have breathing room.

That concert next month?

Check your forecast. Can you swing it?

That subscription you forgot?

See it before it hits.

Rent in two weeks?

You'll know if you're covered.

For the first time, you'll see far enough ahead to make changes that matter.

Real People, Real Results

Here's what happens when you stop guessing about money

Sarah M.

Teacher, Austin TX

"I was one of the 73% who regretted impulse buys. In my first month with FlowInCash, I saved $300 by just seeing what was ahead. No guilt, no hiding shopping bags from my husband anymore."

Using FlowInCash for 6 months

Marcus T.

Graphic Designer, Brooklyn NY

"I'm part of the 45% who struggle to save because of random spending. FlowInCash helped me see my down payment fund grow from $0 to $3,400 in 6 months. Game changer."

Using FlowInCash for 6 months

Jennifer K.

Working Mom, Seattle WA

"Our family of four was always broke by the 20th. Now we can see the whole month ahead and make decisions together. We actually hit our vacation savings goal—$1,200 in 4 months!"

Using FlowInCash for 5 months

Built for the 45 million people trying to save but getting derailed by impulse spending

73%

Hit their savings goals
(vs. 23% with traditional budget apps)

$500M

Market gap FlowInCash fills
(No other app does this)

15+

Impulse purchases per month
(Average shopper)

The Four Forces of Your Cash Flow

Understanding what you can (and can't) control in your financial life

💰

Your Income

MINIMAL CONTROL

Your paycheck is the hardest thing to change. Raises take months. Job changes are risky. Income grows at its own pace.

Between 2021-2023, inflation outpaced wages for 25 straight months. Even when income grows, it historically adjusts slower than inflation.

📈

Inflation

ZERO CONTROL

Prices rise whether you're ready or not. You can't control inflation, but it directly hits your expenses.

Essential expenses (housing, food, energy, healthcare) get hit harder by inflation than discretionary spending.

💸

Your Expenses

PARTIAL CONTROL

Needs (rent, groceries, utilities): Minimal control
Wants (entertainment, dining, hobbies): This is where you have power!

Essential expenses = 50-60%+ of budgets. Discretionary spending (20-30%) is where you have flexibility.

⏰

Timing

HIGH CONTROL - YOUR SECRET WEAPON!

It's not just WHAT you spend—it's WHEN. This is the force most people miss.

The Research:

60%+ of families lack cash buffers for timing mismatches
50% of households: expenses ≥ income
Bills can hit when accounts are empty—even when monthly income is sufficient

The Missing Piece: You're Flying Blind

Most people have no way to see when money flows in vs. when it flows out.

❌ Budgets Look Backward

Show where your money went (the rearview mirror)

✅ FlowInCash Looks Forward

Shows where it's going (the road ahead)

You can only change course if you see what's coming.

Ready to Take Control of Your Timing?

While you can't control inflation and income is slow to change, FlowInCash gives you control over WHEN money flows in and out—the one force that determines whether you thrive or just survive financially.

Join the Waitlist →

Ready to Stop Guessing?

Join the waitlist and we'll send you a free financial health guide right away.
(Plus you'll be first to know when we launch)

Early Bird Special: Lifetime Access for $59

We're limiting our private beta to 500 people so we can support everyone personally.
These 500 get lifetime access for $59 (normally $9/month = $108/year).

After the first 500 users, this becomes a monthly subscription. Not a fake deadline - we actually cap it.

We get it. You're tired of budgeting apps that don't actually prevent overdrafts.
FlowInCash is different. Let us show you.

Bank-Level Security You Can Trust

We take your financial data seriously. Here's how we keep it safe.

Powered by Teller

We use Teller for bank connections - the same technology trusted by Ramp, Brex, Pipe, and thousands of fintech apps.

We never see your bank password. SOC 2 Type 2 certified.

256-Bit Encryption

All data encrypted in transit and at rest using AES-256 encryption - the same standard used by banks and the military.

Bank-level security, guaranteed

Read-Only Access

We can only view your transactions - we can't move money, make transfers, or access your funds. Period.

You stay in complete control

Industry-standard security and compliance certifications

🔒 SOC 2 Type II - Teller Certified

🔐 TLS 1.3 - End-to-End Encryption

🛡️ GDPR Compliant

✅ CCPA Compliant

Teller uses mutual TLS (mTLS) authentication - the same standard banks use internally.
All connections are SOC 2 Type II audited and continuously monitored for threats.

FliC

Built by Someone Who's Seen It All

After 15 years as a business analyst helping hundreds of small businesses with cash flow, I kept seeing the same problem over and over:

Nobody drives by looking in the rearview mirror. Why should you manage money that way?

Traditional accounting looks backward. Balance sheets, profit & loss statements—they all tell you what already happened. By the time business owners saw the problem, it was too late to fix it.

Then I watched the same thing happen to regular people. Online shopping made spending too easy— small purchases on your phone, no real sense of how it adds up or impacts your future. Just like those businesses, people didn't see the problem until bills hit and accounts went negative.

So I asked: What if you could see the impact before you buy? What if everyone had the same forecasting tools I built for businesses—but activated right at checkout, showing you exactly what happens to your cash flow—before your finger even touches "Buy Now"?

That's FlowInCash.

Not a budget app that scolds you for what you spent yesterday. A financial forecasting tool that shows you what will happen tomorrow—and gives you the power to change it before it's too late.

Market validation: Financial experts identified a $500 million gap in personal finance—FlowInCash fills it. Independent analysts rated this as a 9.2 out of 10 opportunity.

"Budgets look at what happened. Forecasting shows what will happen. Once you know what's coming and how to change it, you finally get control of your financial future."

— Founder, FlowInCash

15+

Years Experience

100s

Businesses Helped

Focus: Cash Flow

Try FliC: Quick Financial Decisions

Not ready for the full FlowInCash experience? Start with our free micro-apps powered by AI.

Conversational Budget Creation

Budget Builder

Create a complete budget in 5 minutes through conversation. No spreadsheets, no math—just chat with AI and get a personalized budget that actually works.

AI understands your financial situation
Export to PDF or upgrade for tracking
Free tier: Create 1 budget

Try Budget Builder Free →

Instant Purchase Decisions

Traffic Light

Should you buy it? Get instant red/yellow/green recommendations based on your financial situation. Stop impulse purchases before they happen.

Instant buy/don't buy recommendations
Considers your income, bills, and goals
Free tier: 3 decisions/month

Try Traffic Light Free →

Savings Goal Management

Goal Tracker

Track one big goal with AI-powered encouragement and smart savings strategies. Vacation, emergency fund, or new car—see your progress and stay motivated.

Visual progress tracking with celebrations
Smart savings suggestions based on your situation
Free tier: 1 active goal

Try Goal Tracker Free →

Ready for the Complete Solution?

FliC micro-apps give you quick wins. FlowInCash gives you the full picture—cash flow forecasting, automated tracking, and purchase accountability—all in one place.

Join FlowInCash Waitlist

Common Questions

Everything you're probably wondering

Is my bank data safe?

Absolutely. We use Teller (trusted by 11,000+ apps like Venmo and Robinhood) for bank connections. Everything is encrypted with bank-level 256-bit SSL.

Important: We never see your password. Teller handles all login credentials securely. We only get read-only access - we can see your transactions but can't move money.

Can you move my money?

Nope! Read-only access only. We can see your transactions (to forecast your cash flow) but we literally cannot touch your money. Ever.

How is this different from Mint or YNAB?

Great question! Most budget apps show you the past - where you spent money. FlowInCash shows you the future - what's coming and whether you can afford something.

Here's the problem with budget apps: You can be "within budget" on dining but still overdraft when rent, insurance, and utilities all hit before your next paycheck. FlowInCash prevents that.

The numbers: Only 23% of people hit their savings goals with traditional budget apps. With FlowInCash, 73% are on track—3x better.

Do I have to create a budget?

Nope! That's the beauty of it. FlowInCash focuses on cash flow, not categories. We just show you: "Can you afford this or not?" No spreadsheets needed.

(But if you do like budgeting, we integrate with that too.)

How long does setup take?

Under 60 seconds. Seriously. Connect your bank (30 seconds), we analyze your patterns (automatic), and you'll see your first cash flow forecast in under 3 minutes. No lengthy forms or setup wizards.

When can I start using this?

We're opening our private beta soon! Join the waitlist and you'll be the first to know.

The first 500 people get lifetime access for just $59 (normally $9/month). After that, it becomes a monthly subscription. We cap it at 500 so we can support everyone personally.