Money Flow
A private finance tool for turning manual statement uploads into a clearer view of how money moves.
What it is
Money Flow is a small, private personal-finance MVP. You upload a statement manually; it tracks how money moves across accounts and time. It’s not a product. It’s a personal tool that treats your own money like a dataset.
Why I built it
Because financial clarity should feel less like a spreadsheet crime scene. Most personal-finance tools either over-automate (and guess wrong) or just hand you a giant sheet. I wanted something in between: manual control, clean structure, and a view of flows rather than balances alone.
What problem it solves
Bank statements tell you what happened; spreadsheets let you record it; but neither shows how money moves across categories and accounts over time. Money Flow is built around the movement, not the balance.
Stack
- Manual ingestion (statement upload) rather than any bank integration
- A small data model oriented around flows + categories
- MVP-scale, no production infra, no third-party bank access
Current status
MVP. Private personal tool; source is not public.
What I learned
- “Flow” is a better mental model than “balance” for understanding your own money.
- Manual upload is a feature, not a limitation: it forces you to actually look.
- The right schema for personal finance is the one you’ll keep updating.
What I would improve next
- A recurring-transactions view (what actually repeats, not what I labeled).
- Light projections: “if this flow keeps up for 3 months, here’s the shape”.
- Export to a one-page monthly digest I’d actually read.
Links
- Private project. Reach out if you want to talk personal-OS finance design.