See your real free money before it disappears.
ZenFlow.money tracks bills, debts, assets, mortgages, subscriptions, and business obligations so you always know what is truly available.
No credit card requiredPersonal, family, and business workspacesMulti-currency ready
Cash forecast
Know the next payroll, vendor, tax, and runway pressure before it lands.
PayrollMay 28Committed-$18,500
AWSMay 31Upcoming-$2,340
Client retainerJun 01Incoming+$14,000
Office rentJun 03Upcoming-$4,800
Why ZenFlow
Most finance apps show what you spent. ZenFlow shows what's coming.
Future-first planning
See upcoming obligations before they hit your balance. Forecast 30, 90, or 180 days out.
Business plus personal
Switch between company cashflow and family finances without mixing data.
Assets and debts
Track property, cars, investments, mortgages, loans, and locked capital.
Multi-currency clarity
Plan across USD, THB, EUR, MYR, GBP, and more with clean rollups.
One system, many lives
One finance system. Different UX for each life.
For founders and operators
FoundersSmall companiesAgenciesOperators
- Cashflow forecast
- Vendors
- Projects
- Categories
- Payments
- Bank accounts
- CSV export
- Risk alerts
For families and expats
FamiliesExpatsMulti-country spendingPersonal planning
- Bills
- Family obligations
- Life areas
- Goals
- Debts
- Emergency runway
- Subscription leak
- People
For owners and investors
Property ownersCar ownersInvestorsMortgage holders
- Real estate
- Vehicles
- Investments
- Mortgages
- Loans
- Ownership costs
- Net equity
- Documents
Assets and net worth
Track what you own, what you owe, and what it really costs.
Asset value-Linked debt=Net equity
A condo is not worth its sticker price. ZenFlow keeps the value, mortgage, insurance, maintenance, taxes, repairs, and documents connected to the same financial story.
MortgageInsuranceDocumentsTaxesRepairsSubscriptions
Bangkok CondoReal estate
- Value
- $185,000
- Linked
- -$92,000
- Net
- $93,000
Toyota Corolla CrossVehicle
- Value
- $24,000
- Linked
- -$9,800
- Net
- $14,200
Investment PortfolioBrokerage
- Value
- $48,500
- Linked
- $1,500 / mo
- Net
- Long-term
Pricing
Start simple. Upgrade when your financial life needs more structure.
Free
For individuals getting started
$0forever
- 1 workspace
- 2 accounts
- 20 bills / payments
- Basic calendar
- 30-day forecast
- Limited categories
Starter
For personal finance and small households
$9/ month
- 3 workspaces
- 10 accounts
- Unlimited bills
- Goals and debts
- 90-day forecast
- Multi-currency
Pro
Most popularFor families, founders, and asset owners
$19/ month
- Unlimited workspaces
- Unlimited accounts
- Assets and net worth
- Mortgages and loans
- 180-day forecast
- CSV export and reports
Enterprise
For companies and teams
Customtailored
- Team workspaces
- Role-based access
- Business cashflow
- Vendors and projects
- Advanced exports
- Priority support
Privacy and control
Built for sensitive financial planning.
Personal stays personal, business stays business.
Role-based access and workspace boundaries are part of the product model.
Your data stays organized and exportable without lock-in.
FAQ
Questions, answered honestly.
Both. ZenFlow has separate UX modes for Business and Personal / Family workspaces, so you can switch contexts without mixing data.
Yes. You can track asset value, linked debt, recurring costs, documents, and net equity for property, vehicles, brokerage accounts, and more.
Yes. The product is designed for balances and obligations across currencies, with base-currency rollups and local account context.
Yes. The Free plan is designed for trying the product and managing a small number of accounts and bills without a credit card.
Stop guessing what you can afford.
Plan your money around real obligations, debts, assets, and future cashflow.
Start free