Net worth and monthly budget
Owning valuable assets does not tell you how much you can spend this month. See both numbers, separately.
YOUR PERSONAL CASH FLOW
What you earn.
Where it goes.
Your income, spending, assets and debts belong in the same picture. See what remains each month and which assets create cash flow.
No account needed. Try fictional numbers first.
Select “Monthly living costs”, change the amount, and see how your remaining budget changes.
MY CASH FLOWFictional example · USD
01 INCOME
Income$4,500
Salary · business · investment income
↓ Where your income goes
02 EXPENSES
Expenses$2,000
Housing · food · loan payments
ASSETSAssets$30,000
↑ Connected to income
LIABILITIESDebts$10,000
↑ Connected to payments
After allocating $1,500 to savingRemaining
$1,000/ monthSEE THE WHOLE PICTURE
A balance alone misses the flow.
Change an item. Totals update.
Add income, edit an expense or remove a repaid debt. Your totals and remaining budget recalculate immediately.
A record you can return to
Save a monthly snapshot of your account statement. Later edits leave past records intact.
START WITH ONE NUMBER
Start with your salary.
You do not need every number to begin.
Leave unknown amounts blank and fill in what you know.
Before you start
Do I need to connect my bank?
No. You enter a monthly budget manually. Flow does not import bank transactions or show your actual bank balance.
What currency does it use?
New English statements use USD: enter 3 for $3. Korean statements keep their original 10,000 KRW input unit. Switching languages does not convert currency or reinterpret your saved amounts. The unit is shown in the editor.
Can other people see my statement?
Your statement and monthly records are accessible only through your signed-in account. The public demo uses fictional data.
How do I save it?
Create an account with a username and a password of at least 12 characters. We do not collect email addresses. Password recovery is not available yet, so keep your credentials in a password manager. You can export a JSON backup.
Is this an official Rich Dad product?
No. Flow is an independent tool inspired by the relationship between income, expenses, assets and debts. It keeps asset values and debts separate from monthly cash flow. Read the original concept ↗