# Moflow

> Moflow is a wealth ledger: cash, savings, investments, property and debts, in 38 currencies, totalled into one net worth. Moflow never trades and never moves money, and gives no investment advice. Your ledger is encrypted in transit and at rest, and used only to serve you.

Money in and out is two figures, a yearly income and a monthly burn rate: no receipts and no per-expense tracking. On Moflow+, the AI you already use reads your ledger, and updates it when you ask, if it can add Moflow.

- Free: Your net-worth ledger on every device, in 38 currencies, with snapshots, allocation and daily prices. No card needed.
- Moflow+ ($199 per year): Everything in Free, plus connected accounts at many brokerages, your AI, Trends, Projections, Goals and Retirement. A new account gets 14 days before its first charge.

## Moflow

- [Home](https://moflow.app/): All your assets in one place.
- [Pricing](https://moflow.app/pricing): Track for free. Connect and plan with Moflow+.

## Features

- [Net worth](https://moflow.app/features/net-worth): Your accounts, one number (Free)
- [Portfolio](https://moflow.app/features/portfolio): Holdings, cost, gains and weights (Free)
- [Trends](https://moflow.app/features/trends): Your number, month by month (Moflow+)
- [Goals](https://moflow.app/features/goals): Targets pinned on your curve (Moflow+)
- [Projections](https://moflow.app/features/projections): Your number, decades ahead (Moflow+)
- [Retirement](https://moflow.app/features/retirement): How long the money lasts (Moflow+)
- [AI connector](https://moflow.app/features/ai-connector): Your AI reads and updates Moflow (Moflow+)
- [Allocation](https://moflow.app/features/allocation): Where the money actually sits (Free)
- [Connected accounts](https://moflow.app/features/connected-accounts): Many brokerages connect (Moflow+)
- [Accounts](https://moflow.app/features/accounts): Balances, targets and transfers (Free)

## Help

- [Help center](https://moflow.app/help): Step-by-step guides: add accounts and investments, set your income, targets and safety net, confirm snapshots, record transfers, connect a brokerage or your AI.
- [Add an account and its balance](https://moflow.app/help/add-account): Add a checking account, a home or a mortgage, with today's balance.
- [Add an investment account and its holdings](https://moflow.app/help/add-investments): Add an investment account by hand, then each holding at the price you paid.
- [Set your yearly income and monthly burn rate](https://moflow.app/help/money-profile): Two figures that give your net savings and savings rate.
- [Mark your safety net and set its level](https://moflow.app/help/safety-net): Mark the cash you keep for emergencies, and set its level.
- [Set your target asset allocation](https://moflow.app/help/target-allocation): Choose the mix you want across asset classes, and see each one's drift.
- [Confirm your monthly snapshot](https://moflow.app/help/monthly-snapshot): Check last month's balances once and lock the month into your history.
- [Record a transfer between your accounts](https://moflow.app/help/record-transfer): Track money you send between your own accounts, from planned to cleared.
- [Connect your brokerage](https://moflow.app/help/connect-brokerage): Bring in a brokerage's positions, cash and balances, read-only.
- [Connect your AI](https://moflow.app/help/connect-ai): Steps to connect it, and what it can see and change.

## Legal

- [Privacy policy](https://moflow.app/privacy): How Moflow collects, uses, shares and protects personal information, how long it is kept, and your rights and choices.
- [Terms of service](https://moflow.app/terms): The terms for using Moflow: what Free and Moflow+ include, how the subscription renews, how to cancel, and the refund policy.

## Blog

- [Blog](https://moflow.app/blog): Writing on net worth, across accounts and currencies.
- [Ask your AI about your net worth](https://moflow.app/blog/ask-your-ai-about-your-net-worth): On Moflow+, the AI app you connect reads your ledger and updates it when you ask. What it can see and change, and what it cannot do through Moflow.
- [How to track your net worth in multiple currencies](https://moflow.app/blog/net-worth-in-multiple-currencies): A bank at home, a brokerage abroad, savings in euros. Moflow keeps accounts in their own currencies and totals every account you add into one net worth.
- [Planning ahead, without tracking every expense](https://moflow.app/blog/planning-ahead-without-tracking-every-expense): One yearly income and one monthly burn, not a budget or a pile of receipts. Free shows your safety net and idle cash; Moflow+ adds projections and retirement.

## Optional

- [Contact us](https://moflow.app/contact): Contact Moflow about signing in, billing, brokerages or your data.