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An account is a place where your money lives — Bank Hapoalim, Bituach Pensia, Max, or wherever else. Add your first one to start tracking expenses, income, and savings.
Overview
Your top-line numbers, budgets, forecast, and account positions at a glance.
👋
You're set up. Let's add your first transaction.
Log an expense or income from the past few days to see the rest of Overview come alive.
Choose which widgets to show
📅 This week
🎯 Budget progress · this month
📈 Forecast · next month
⚖️ Net worth
Expenses vs Income
Recent expenses
Recent income
🔄 Pending transfers
📥 Incoming transfers
💼 From your business
Auto-recorded payments from your business. Click OK if everything looks right, or Edit to adjust the category, bank, or details.
🏦 Your kids want to open savings accounts
A child has asked you to hold some of their money. Tap to set the terms (amount, interest, lock period).
Want more insights? Charts and analytics are available in Customize.
All widgets hidden
Open Customize to turn some back on.
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What would you like to add?
Pick one — you can always add the other afterward.
Show on calendar
Upcoming (recurring)
Financial milestones
Shared activity
Family
Goals
History (logged)
Recurring entries are read-only previews. Click any past entry to edit it.
Calendar settings
to
Settings are saved per user.
Budgets
Cap your spending by category, sub-category, period, or currency.
No budgets yet. Tap + Add budget at the top of this page to create your first one.
This month's progress
New budget
👋
Welcome to FinFlow Life
A private money tracker — you record entries yourself, and we never connect to your bank or move real money.
🔒
Your data stays yours
No bank logins, no credentials shared. The app never sees your real accounts.
✍️
You're in control
After you spend or get paid, log it here. Adding entries here doesn't move real money — it just records what already happened.
🌍
Works anywhere
Any country, any currency, any bank. No integrations needed.
🎉
Milestone
…
Step 1 of 2
What kind of account?
Pick the type that best describes where your money lives.
Use a name you'll recognize at a glance.
Add a past snapshot
Self-reported value at a date in the past. Helpful for seeing trends.
ⓘ This is a self-reported value, not computed from your data. It will be marked as such on the chart.
Forecast
Project the next months of cashflow from your recurring entries.
Projected money flow from your recurring incomes and expenses, scheduled long-term savings contributions, an estimate of variable spending based on your last 3 months, and one-off events on your calendar that have an amount.
Next 30 days
Summary
Month-by-month
Breakdown
Projection assumes recurring entries continue as configured. Variable-spend estimates are based on your last 3 complete months and applied evenly across future months — actual spending will vary. Calendar events count only when they have an amount and aren't already linked to a recorded transaction. Foreign-exchange shifts and market movements on long-term savings are not included.
Habits
Track recurring routines and the spending behind them.
✨
Coming soon
Track financial habits — daily check-ins, streaks, weekly goals, and gentle nudges that compound over time. We're working on it.
Net worth
All your assets minus liabilities, across every currency.
Calculating…
Composition
Over time
Account breakdown
Goals
Money you're saving toward something specific — progress and timelines.
Set things you're saving up for. Allocate money from your accounts toward each goal and track progress.
No goals yet. Tap + New goal at the top of this page to create your first one.
New goal
Pick one or more sub-accounts where the money for this goal is held. The goal's progress will reflect the full balance of each linked sub-account. Want only part of an account toward this goal? Open a separate sub-account for it (e.g. "Bank Hapoalim · Car fund") from the Accounts page, then link that sub-account here. Match goal length to account type. Short-term goals (months): cash or deposits. Long-term (years): portfolios or LTS instruments are reasonable, but their value will fluctuate.
Loading accounts…
Allocate to goal
Work & Education
Jobs you hold and learning you're pursuing — pay, hours, milestones.
Where you've worked and what you've learned. A durable record of your career and education milestones.
Where you've worked. Manual entries plus migrations from FinFlow Grows and live payment history from FinFlow Biz when an employer pays you on the platform.
No work entries yet. Tap + Add work entry at the top to record a current or past job.
Schools, courses, certifications, and your FinFlow Grows progression if you graduated from there.
No education entries yet. Tap + Add education at the top to record a school, course, or certification.
Add education
Add work entry
Record a job or self-employment for your career history.
Payments
Accounts
Cash, bank, savings (LTS), and other places where your money lives.
👁 Viewing 's accounts — read only
Your accounts
An account represents a relationship with one institution (a bank, broker, fintech, wallet, etc.). Each account has one or more sub-accounts — a checking balance, a credit card, a brokerage portfolio, a deposit, and so on.
Long-term savings
Track pension funds, keren hishtalmut, severance funds, and other long-horizon savings. Contributions from a connected business land here automatically; manual entries are also supported.
Add expense
Record an expense you already made. This logs it — it doesn't move real money.
📅 Logging expense for calendar event: —
New expense
ⓘRecords what you did — doesn't move money in your real accounts.
Add to a pool?
All expenses
Every expense you've recorded. Filter, search, and export.
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Recurring expenses
Expenses on a schedule — rent, subscriptions, bills.
New recurring expense
Active recurring expenses
Recurring income
Income on a schedule — salary, dividends, allowances.
New recurring income
Active recurring income
Expenses summary
Totals and charts across categories and periods.
Spending over time
Spending by category · click to expand
Export
CSV files open directly in Excel.
Add income
Record income you already received. This logs it — it doesn't move real money.
📅 Logging income for calendar event: —
New income
ⓘRecords what you did — doesn't move money in your real accounts.
All income
Every income entry you've recorded. Filter, search, and export.
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Income summary
Totals and charts across sources and periods.
Income over time
Income by category · click to expand subcategories
Export
CSV files open directly in Excel.
Add transfer
Move money between accounts, or send to family and friends. This logs it — it doesn't move real money.
New transfer
📊 Record as expense?
ⓘRecords what you did — doesn't move money in your real accounts.
Make this recurring?
Recurring transfers
Transfers that repeat on a schedule.
New recurring transfer
Active recurring transfers
All transfers
Every transfer you've recorded. Filter, search, and export.
📥 Incoming transfers awaiting confirmation
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Transfers summary
Volume and direction of money moved across accounts.
Transfer volume over time
Activity by account
Export
CSV files open directly in Excel.
Currency Exchange
Record FX trades between your currencies — rate, fees, amounts.
New exchange
—
ⓘRecords what you did — doesn't move money in your real accounts.
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🏊 Pools
Shared money tracked with family or friends — splits and balances.
👁 Viewing 's pools — read only
New pool
👥 Members (optional — can be added or removed later)
Creates personal expense entries for your share of each pool expense. For expenses you already recorded personally (when you paid), a correction entry with a negative amount will be added to bring the net to your actual share.
Members
Add member
Add from your Friends & Family connections.
Activity log
Children
Your kids' FinFlow Grows accounts and the money you send them.
Your children's FinFlow Grows accounts. Add a child here, or accept an invite from a child who's already using the app.
Settings the kid has shared with you are editable; everything else is read-only.
Pending invites
A FinFlow Grows user has invited you to oversee their account.
Your children
No children connected to your account yet. You have two options:
Add a child — create a FinFlow Grows account for them right here. Best for younger kids.
Wait for an invite — if your child already uses FinFlow Grows, ask them to invite you from their app.
Add a child to FinFlow Grows
We'll create a FinFlow Grows account for your child. You'll be linked as their guardian automatically. Share the email and password with your child so they can sign in.
Use an email the kid can access (or one you'll manage on their behalf).
Write this down — you'll need to share it with your child once.
⏳
Setting up the account…
This usually takes a few seconds.
🎉
All set!
Share these credentials with your child so they can sign in to FinFlow Grows:
Email
—
Password
—
The password won't be shown again. The child can change it once they're signed in.
Add long-term savings
Record a long-term savings instrument held for the child — government child savings, Keren hishtalmut, or other. The actual money lives at the provider; this is just a record so the child can see it grow.
Pension and Keren hishtalmut are employer-driven and aren't appropriate here. They'll appear on the child's own Accounts page when they start working.
Set savings terms
Your child wants to deposit money with you. Set the terms — how much you'll hold, the interest you'll pay, and any lock period.
Less than what they asked? The difference returns to their wallet.
0 = no lock, child can ask for it back anytime. 6 = principal locked for 6 months.
Decline savings request
Your child's money will return to their wallet. You can include a short reason — they'll see it.
💸 Accept loan request
You can adjust your child's terms before accepting. Money will go straight into their wallet.
Set a principal amount.
Send money
Send money to your child's wallet. They'll see it in their Money In feed.
Money sent to your child counts as a real expense for you. Recommended.
Set up allowance
Send a fixed amount on a recurring schedule. Your child sees what's coming up and learns to plan around it.
First payment date. After that, it auto-repeats per the frequency you picked.
Recommended — your allowance becomes a tracked recurring expense.
Apply contribution change
You're changing the monthly contribution to —. How should this apply?
Record event
Activity history
Settings
App preferences — currencies, language, categories, and more.
👁 Viewing 's settings — read only
Currencies
Choose up to 3 currencies to use in the app. These will appear as filter options and in the add expense / income forms.
Maximum 3 currencies. Changes are saved automatically.
Language
Pick the language for the app interface.
✓
Note: most screens are still in English. Translation is in progress.
Bank accounts / financial institutions
Credit / Debit Cards
📊 Expenses
Expense categories
Toggle on/off · Click name to rename · Click "Subcategories" to manage
Income categories
Toggle on/off · Click name to rename · Click "Subcategories" to manage
Budget limits (monthly)
Budgets now have their own page where you can set monthly caps per category and view this month's progress.
Live pricing
Fetches current market prices for your portfolio holdings. Toggle off to use only manual prices and cost basis.
Find duplicate entries
Look for likely duplicates across your expenses, income, and transfers. You'll get to review each pair and decide what to keep.
Import expenses
✨Soon, importing data will be easier than ever — column mapping, smart detection, and more are on the way.
For spreadsheet imports. Copy rows from Excel or Google Sheets and paste them anywhere in the table below (Ctrl+V / ⌘V). For just a few entries, the Add expense form is faster.
📅 Date format:
💡 Tip: When pasting from a bank or credit card export, include the description column from your source file. Even if categories don't match yet, having the original description makes it much easier to identify and assign each entry to the right category.
↑ The "Apply ↓" button fills the selected value into all rows that have a date or amount — empty rows are skipped.
#
Date
Amount
Currency
Category
Subcategory (optional)
Description (optional)
Payment method (optional)
Card / Bank (optional)
→
Apply all
Apply all
Apply all
Apply all
Apply all
💰 Income
Import income
✨Soon, importing data will be easier than ever — column mapping, smart detection, and more are on the way.
For spreadsheet imports. Copy rows from Excel or Google Sheets and paste them anywhere in the table below (Ctrl+V / ⌘V). For just a few entries, the Add income form is faster.
📅 Date format:
↑ The "Apply ↓" button fills the selected value into all rows that have a date or amount — empty rows are skipped.
#
Date
Amount
Currency
Category
Subcategory (optional)
Bank account (optional)
Details (optional)
→
Apply all
Apply all
Apply all
Apply all
🔄 Transfers
Import transfers
✨Soon, importing data will be easier than ever — column mapping, smart detection, and more are on the way.
For spreadsheet imports. Copy rows from Excel or Google Sheets and paste them anywhere in the table below (Ctrl+V / ⌘V). For just a few entries, the Add transfer form is faster.
📅 Date format:
↑ The "Apply ↓" button fills the selected value into all rows that have a date or amount — empty rows are skipped.
#
Date
Currency
Amount sent
Amount received (optional)
From account
To account
Status (optional)
Details (optional)
→
Apply all
Apply all
Apply all
Apply all
Preview
Personal
Your profile, security, family, and friends.
Profile
Defaults to 67 (Israeli statutory). Used by the Long-term savings home widgets — informational only, no projections or advice.
Security
Change your password. You'll need to enter your current password to confirm.
Preferences
Used for business-day calculations (e.g. when a self-payment from your business lands). Weekends and holidays are based on this setting.
Only English is available right now — more languages coming soon.
👥 Friends & Family
Pending invites
Your connections
No connections yet. Invite someone below.
Invite a friend or family member
Search by email address. If they have a FinFlow Life account, you can send them a connection invite.
Go back to FinFlow Grows?
This will undo your recent graduation and restore everything to how it was before.
What happens:
You go back to FinFlow Grows
Goals, work history, and family connections return to the kid side
Your starting balance disappears from Personal
Anything you've added in Personal since graduating won't be touched
Admin
Internal admin tools.
All users
Quick add
💼 FinFlow Life
Your finances, finally under control.
Multi-currency personal finance — the perfect balance between automation and manual control.
👋
Welcome to FinFlow Life
This app helps you track expenses, income, transfers, and currency exchanges across multiple currencies, visualise your spending, and stay on top of your finances.
This short guide covers everything you need to know. It only takes a couple of minutes, and you can revisit it any time from the sidebar footer.
💡 Tip: All your data is stored securely in the cloud — accessible from any device, any browser, anytime.
📱
Getting around
🏦
Settings — Banks, Cards & Currencies
Start in Settings. First, add your bank accounts and credit cards — just a name like "Bank Hapoalim" or "Max Card". No sensitive information needed — no account numbers, no PINs.
Then set your currencies. Choose up to 3 currencies you use. These appear as options when adding transactions and as filter buttons across all screens. Each entry stores its own currency independently, so you can freely mix them.
💡 Tip: Add your currencies before you start logging entries — it's the quickest setup step.
🗂️
Categories
FinFlow Life comes with default expense and income categories. In Settings you can add, rename, delete, or disable any category or subcategory to match how you think.
Subcategories let you drill down — e.g. "Food & Drinks → Restaurants" — and expand in the Summary screen to see exactly where your money goes.
💡 Tip: Subcategories are optional — you can always add them later as your tracking matures.
➕
Expenses, Income & Recurring
💡 Tip: If you set a recurring entry with a start date in the past, the app will ask if you want to back-fill all the missed dates at once.
🔄
Transfers & Exchanges
Transfers are movements of money between your own accounts — e.g. paying off a credit card from your bank. They don't affect your net worth. Log amount sent, amount received, and the app calculates any fee.
Currency Exchange records when you physically convert one currency to another. Enter the official rate (fetched automatically) and the actual rate you got — the app calculates your spread fee and any direct fee.
💡 Tip: Pending transfers show up on the Home screen with a quick "Mark completed" button.
📊
Dashboards & Summaries
💡 Tip: You can return to this tutorial any time from the sidebar footer.
New event
Personal calendar — appointments, flights, anything time-bound. Times are optional.
Add Friends & Family who should see this event. Each member gets it on their own calendar; only you can edit, they can accept or decline.
Generates instances forward 60 days. To stop a series, cancel any future occurrence and choose "This and all future".
New reminder
Non-monetary calendar reminder — anything you want to be nudged about. Browser will notify at the scheduled time.
Edit recurring reminder
Changes apply to all future instances. Past push notifications already fired won't be undone.
📥 Import calendar (.ics)
Bring in events from Google Calendar, Apple Calendar, Outlook, or any other calendar that exports .ics. One-time import — not a live sync.
Add member
From your accepted Friends & Family connections.
Event
Cancel recurring event
Move recurring event
Quick optional setup
A few details to personalise your experience. All optional — feel free to skip.
You can update or remove this anytime from the Personal page (⚙ icon next to your name).
👥 Joint account invitation
Someone wants to share a bank account with you.
🔄 Recurring entries due
The following entries are ready to be added.
📅 Record past entries?
📋 Import from spreadsheet
📚 Concepts you've covered
Financial-literacy concepts from FinFlow Grows.
💸 Add pool expense
📊 Record as personal expense?
This will create a personal expense entry for the full amount you paid (your share will be corrected when you generate entries at pool settlement).
📥 Incoming transfers
Someone sent you money. Confirm the amount you received.
💼 Edit auto-recorded entry
from · recorded on
The transfer and income entries have already been added to your books. You can adjust the category, bank, or details below — the amount and date are pinned to what your business app recorded.
Your choice will be remembered for future payments from this business.
❌ Cancel transfer
This transfer hasn't been confirmed yet.
What would you like to do with this transfer?
New account
An account is your relationship with one institution. You'll add sub-accounts (cash, cards, etc.) inside it.
Currencies held at this institution
We'll create a checking sub-account for each currency you pick. Your main currency is suggested first. To add more currency options, enable them in Settings → Currencies.
👥 This account is linked to a joint account. To manage members or invitations, use Settings → Bank accounts.
Merge with another institution
If two of your accounts are actually at the same institution (e.g. both ILS and USD at Bank Hapoalim), you can merge them. All sub-accounts move under the chosen institution. This is irreversible.
New sub-account
Cash, a card, a portfolio — pick one type per sub-account.
Type
Used by the upcoming retirement widget. Pension and severance default to on; keren hishtalmut typically off (it's mid-term savings, not retirement).
💡 The balance you enter is the amount in the account on the chosen date. Today's balance is calculated from this starting point plus all income, expenses, and transfers since.
ℹ A cash sub-account corresponds to the institution's main balance. You can have only one cash sub-account per institution.
Open a new deposit
Principal moves from a cash sub-account into this deposit.
A transfer is created automatically from this account.
Log interest payment
Record interest accrued or paid on this deposit.
An income entry is created automatically into this account.
Mark deposit as matured
Principal + interest moves back into a cash account.
A transfer is created from this deposit to the chosen cash account.
Edit deposit
Editing only updates the deposit's record. It does not change any related transfers or events.
Add long-term savings instrument
Pension, keren hishtalmut, severance, or any other long-horizon savings.
Kind
Add contribution
Record a manual contribution to this long-term savings instrument.
Manual contributions are recorded directly on this instrument. They do not create cash transfers — long-term savings instruments live outside your day-to-day cash flow.
Record withdrawal
Record a withdrawal from this long-term savings instrument.
Withdrawals reduce this instrument's balance. They don't auto-create a cash inflow — record that separately as an income or transfer if the funds landed in your bank account.
Assign to a savings instrument
Pick which instrument this contribution belongs to.
— or —
Create a new instrument
Add holding
Adds a position to this portfolio. Optionally creates a buy transaction with cash.
A transfer is created automatically.
Pricing
Buy
Update price
Update money-market value
For money-market funds we track value directly (rather than units × price). Enter the new total value as shown by your broker.
Edit holding
Edits don't change related transactions or transfers.
Pricing
Record dividend
Records dividend income from a holding. Optionally creates an income entry into a cash account.
An income entry will be created.
Record fee
A management fee, custody fee, or other charge against this portfolio.
Leave empty for a portfolio-wide fee.
Optional — if specified, an expense entry is created.
Stock split
Adjusts share count and cost basis without changing total cost.
fore.g. 2-for-1 (Apple 2014). Reverse: 1-for-10.
Record card payment
A transfer is created automatically. The card's outstanding balance drops by this amount.
Record event
A "refund" fix-up entry is added to your expenses with a negative amount and the same category as the original — it cancels the original out of category and period spending totals while leaving the original card charge intact. This way, "amount charged to this card" stays accurate (matches your statement) but "spent on Clothing this month" reflects the net.
No matching expenses found on this card in the last 90 days. You can still record the refund without linking.
Card fees
Configure the fees the issuer charges. The periodic fee can be auto-applied on its cadence; the FX and ATM fees still need to be logged manually as fee events when actually charged. Leave any field blank or 0 if it doesn't apply.
Periodic fee
Account fee, e.g. ₪10/month or $95/year.
Already-applied fees are tagged "auto" and can be deleted individually if needed (won't regenerate). Editing the amount only affects future periods.
Foreign-transaction surcharge
%
Percent added to non-card-currency charges (typically 1.5–3%).
ATM withdrawal fee
per withdrawal
Flat fee charged when using the card at an ATM.
Import holdings
Paste from a spreadsheet or fill the grid by hand.
📊 Paste from spreadsheet:Click any cell, then ⌘V / Ctrl-V — handles tab- or comma-separated.