CashflowLy: private income and expense tracker

Features

Everything you need, nothing you don't

Add an expense in a few taps. CashflowLy does the maths and shows you what it means.

Insights screen with budget progress and month-end forecast

Budget and insights

See how your month is really going

Set one spending limit for the month. CashflowLy shows how much is left, a safe amount per day, and when you'll run out at your current pace.

Average spend per day and a month-end forecast
Comparison with the same days last month
Income, savings and your savings rate

Spending by category with bars and percentages

Find out where it went

Every expense goes into a category you create. See the biggest ones at a glance and tap any of them to see the transactions behind it.

Your own expense categories and income sources
Spending patterns by weekday
Unusual expenses and payments that look like subscriptions

History

Every transaction, neatly organised

Browse by day, month or year. Totals by source and category sit right on top, with a chart when you want the bigger picture.

Search and filter past transactions
Income, expenses and transfers with fees
Recent, monthly and yearly views

Wallets

Cash, bank, card and mobile money

Keep a separate wallet for each place your money lives. Move money between them and the balances stay right.

Credit card wallets
Transfers between wallets, with optional fees
One total balance across everything

Recurring payments

Rent, salary and subscriptions, on your terms

Set up payments that repeat daily, weekly, monthly or yearly. Nothing is added behind your back: when one is due, you approve it or skip it.

See what's coming up and your net amount per month
Approve with a swipe, or edit the amount first
Due payments show up on the Home screen bell

AI assistant answering a question and preparing an expense to confirm

AI assistant (optional)

Just ask, or say what you spent

Ask about your money in plain words, or tell it "add 8 dollars lunch from cash". The assistant prepares the entry and waits for you to confirm.

Nothing is saved until you tap Confirm
Bring your own Google Gemini or GLM (Z.ai) key
See the estimated cost of every message

And more

Small things that make a difference

📶

Works offline

Everything except the AI assistant works without an internet connection.

🔔

Budget alerts

An in-app alert when you reach 50% and 90% of your monthly budget.

🔒

PIN lock

Lock the app with a PIN and hide your balances with one tap.

💾

Backup and restore

Save a backup file wherever you choose and restore it later.

🎨

Your own icons

Pick from dozens of icons for your wallets, categories and income sources.

🌙

Light and dark

A dark theme for night-time, and your choice of currency.

Know where your money goes. Privately.