For anyone with more than one account
Every account you add, one number, three minutes a month.
A ledger for money that sits in several places: banks, brokers, property, and more than one currency. Balances are confirmed once a month, and every confirmed month is kept.
No account, no signup: the ledger is created in this browser. An account is what lets it reach your other devices.
Net worth
This year
Allocation
Accounts
How it works
Three steps, once a month
01
Add the accounts
Banks, brokers and property, each one entered once with what it is worth.
02
Confirm the month
Once a month the balances that moved are updated, and the month is closed.
03
Keep the months
Every confirmed month becomes history. The free plan shows the last twelve; Plus shows all of them.
Your AI — Plus and Pro
Plus and Pro connect the AI you already use to your ledger.
01
It reads
Your accounts, balances, holdings and monthly history, read back when you ask.
02
It writes back
When you ask it to, it records balances, transfers and accounts — by the rules the app itself follows.
03
It closes the month
It captures the month's balances and confirms the snapshot when you ask.
Inside Moflow
One ledger, four ways to read it
Net worth
Every account in your ledger, converted into one figure that ticks as it grows.
Portfolio
Weights, drift and concentration across the whole ledger, read at a glance.
Projections
Projections and Goals are Moflow+: a yearly income and a monthly burn rate — never a receipt tracker — projected decades ahead, with your goals on the curve.
Reasons
Reasons are Pro: write down why you own something, once, and Moflow runs a check against public evidence — with the status, what the check found, and the alert when one turns.
What you get
Four claims, and the plan each one is on
Every plan
38 currencies, one number
Accounts converted and totalled into the one figure you think in.
Plus and Pro
The US markets and 22 more exchanges
Moflow prices listings from Toronto to Tokyo every day.
Pro
Reasons, checked
Write down why you own something. Moflow checks reasons against public evidence, and Pro carries what each check concluded.
Every plan
Encrypted, private
Encrypted in transit and at rest, read only to run Moflow for you. Never sold, never used for advertising, and deleted in a click.
Pricing
Free, Plus and Pro — cancel in a click
Free forever·$199.99per year
Free
Your whole net worth in one place, on every device, and the last twelve months of it.
Plus
Your AI reads and writes your ledger, priced every day, and projected decades ahead.
Pro
The plan with Reasons
Your AI reads and writes your ledger, priced every day, and projected decades ahead.
Start
Start with one account. Add the rest as they come.
The ledger is free, and it takes no account and no signup to begin. Plus adds your AI and the whole history; Reasons are Pro.