Lifetime access · one payment
Know if you can actually afford this, before you tap the card.
Money Flows is the web app built for your phone that shows what's about to leave your account over the next week, month and quarter, not just what already went.
Snap a receipt or upload a statement, and an AI coach called Indie sorts every transaction across all your streams: salary, side income, business, rental, whatever you've got going on.
No bank connection. No daily discipline. Works anywhere in the world.
US$9/month, or pay once and keep it forever. 7-day money-back guarantee.
The problem
You're not bad with money. You just can't see what's coming.
Your bank shows the past, not the plan.
By the time a charge hits your statement, it's already gone. You're doing mental math at the checkout, guessing at what's still coming, hoping you're not about to overdraw. That's not a budget, that's a vibe.
You've got more than one stream and no single view.
There's the salary, the side thing, maybe a rental, maybe the business, and the joint account. Every app assumes you're one person with one wallet. So you end up in three spreadsheets, or none.
Every budgeting app demands daily discipline you don't have.
There's a graveyard behind you. The spreadsheet from January. The budgeting app you paid for months after you stopped opening it. The banking app you avoid because it only ever brings bad news.
You didn't quit those because you're undisciplined. You quit because unpaid admin is a terrible hobby. It's not a discipline problem. It's a system problem.
You don't want another tool holding your bank logins.
Half these apps want your online banking password, don't work outside the US, or break every time your bank updates. You want to see your money, not hand your keys to a third party you've never heard of.
You run a job, a household, maybe a business on the side. Your money app should be able to keep up with you.
“All the bills are on autopay and I pay the credit cards once a month. That's the budget. LOL.”
“I'm not bad with money. I still can't tell you if I can afford a $60 dinner on a Tuesday.”
The wedge
What if your money app told you what's coming, not just what's gone?
Money Flows is the app you pull out at the checkout. Ten seconds, one glance, and you know: can I actually afford this, or is rent landing on Thursday and I'm about to be the person crying in the car.
How it works
The whole thing runs on a loop I call Snap. Sort. See.
- SNAPPhotograph a receipt, or upload your whole monthly statement so not a single transaction slips through. That's your whole job.
- SORTIndie tags it into your streams, flags what's deductible, files the receipt.
- SEEThe horizon shows what's about to leave your account, so you decide before the money moves.
And to be clear: this is not a budget. Budgets are why you quit the last app.
Your banking app
Shows you what you already spent.
Budgeting apps
Hand you homework about the past.
Money Flows
Shows what's about to leave, before you say yes.
Here's what that looks like.
The horizon view. The reason this app exists.
Everything landing on your card over the next week, month and quarter, built from your detected recurring payments plus the regular bills you tell it about at setup. Useful from day one, not three months in.
Upcoming
Next 30 daysStreamBox
in 6 days · Streaming
$14.99
Cloud storage
in 8 days · Software
$12.99
Coworking
in 11 days · Business
$99.00
Phone
in 14 days · Utilities
$65.00
Electricity
in 18 days · Utilities
$246.00
Water rates
in 22 days · Rental
$312.00
Council rates
in 27 days · Rental
$409.99
- Next 30 days$2,140.00
Built from your detected recurring payments. Ask before you say yes.
One number for the afford-it question.
Indie totals what leaves before your next pay lands and says it plainly: keep this aside, the rest is yours to call. Glance at it next to your bank balance and the decision is arithmetic.
Spoken for
$1,450.04
That's what leaves before your pay lands on 31 July. The rest is yours to call.
9 bills · includes your estimated bills
Every stream in one place.
Personal, business, rental, side income, joint. Tag transactions into as many streams as your life actually has, and see each one clean.
Morning, Justine.
This month
July 2026
Personal
Business
Rental – 14 Wattle St
US$147 once, or US$9 a month.
What changes
What changes when you can see what's coming
Decide at the checkout in ten seconds.
Pull the app out, glance at the horizon view, know whether this dinner, this flight, this pair of boots fits. No more guessing. You get to be the one making the call, not your bank at 11pm on a Sunday.
See every stream in one place.
Salary, side income, business, rental, joint account, your account. Tag transactions into as many streams as your life actually has. One person with one simple wallet, or a business owner with three properties, same app, same view.
Stop being ambushed by annual bills.
Insurance renewals, domain fees, the tax bill, the school levy. The horizon view surfaces them weeks out, not the day the money vanishes. You get to plan, not panic.
Kill the subscriptions you forgot you had.
Indie scans your transactions and flags the recurring charges quietly draining your account: the streaming service you don't use, the software from a project you finished last March. Found and listed, so you can cancel them yourself.
Claim every dollar of tax-deductible spend.
Mark a vendor deductible once and Indie flags every future charge from it. At tax time you export the lot, sorted, instead of doing archaeology through twelve months of receipts.
Never hand over a bank login again.
Money Flows doesn't connect to your bank. Ever. You upload a statement or snap a receipt, that's it. No third party holding your credentials, no security theatre. Works the same in Sydney, San Francisco or Sofia.
Needs review
3 itemsTwo Chaps Marrickville
3 Jul
-$18.60
PersonalCafes & diningSQ *MERCHANT 4827
2 Jul
-$34.20
BusinessClient meetingsDIRECT DEBIT 991827
1 Jul
-$12.50
PersonalSubscriptions
Meet the coach
Meet Indie.
The AI coach inside Money Flows. Think of her as the friend who used to be an accountant, warm about the mess, sharp on the numbers, zero lectures about your coffee habit. She sorts the transactions, flags what matters, and once a month tells you the three things actually worth doing.
Two weeks from now
Picture the version of you who just knows.
It's a Tuesday. You're holding something you want, and instead of the old maths-and-hope routine, you pull out your phone. Ten seconds. The horizon says what's landing, the Spoken-for number says what to keep aside, and you say yes without the wince, or no without the guilt. Either way, you decided.
Meanwhile the receipts have been filing themselves. The tax flags are quietly stacking up for your accountant. The only subscriptions still charging you are the ones you actually use.
And that low hum of 'wait, did the insurance come out?' has gone silent, because you already know. That's not discipline. That's just being able to see.
US$9/month, or pay once and keep it forever. 7-day money-back guarantee.
Honest
Brand new, and honest about it
There's no wall of testimonials here yet, because Money Flows just launched and I won't invent one. Here's the trade instead: you get one simple price, lifetime access, and a direct line to me while I decide what to build next. You're early, and early shapes the product.
For you if
Who it's for
- You've got more than one thing going on with your money: a salary plus a side income, a business, a rental, or just "our money and my money"
- You earn decently but never feel in control of where it goes
- You've quietly abandoned every budgeting app that demanded daily discipline
- Works just as well for one simple life as for a business owner with three properties
Not for you if
Who it's not for
- You want an app that auto-connects to your bank and does everything with zero input. Money Flows is fed by you on purpose, that's how it stays private and works anywhere
- You love strict envelope budgeting. YNAB does that better
- You need accounting software with payroll and invoicing. That's Xero
Indie's monthly wrap
June 2026
Alright, June's in the bag. Business had its best month of the quarter, Personal ran a bit hot on dining (nothing dramatic, just worth clocking), and the rental cleared as expected after rates landed on the 18th.
Three specific things worth doing before July gets away from you:
Kill StreamBox.
You've paid $14.99 for five months and haven't opened it since March. That's $74.95 already gone and another $180 over the next year if you leave it running. Two-minute cancellation.
Keep $2,140 aside for July's bills.
Council rates ($409.99) and water rates ($312) are the two big hits. Both are in the horizon view with dates.
Reconcile the Wattle St receipts folder.
Four repairs invoices from June are filed and flagged deductible. Worth a quick pass with your accountant before EOFY paperwork.
What members say
Member
“I'm a self-confessed hoarder, trial user, download-it-and-never-open-it kind of person. This time? I didn't even hesitate. I read it, watched it, and signed up on the spot. For me, that's huge.”
Member
“I signed up on the monthly plan, and a day later I was asking how to switch to lifetime. I just wanted it locked in for good.”
Being early
What being early actually gets you
Ever bought an app and quietly given up on it because it didn't do the one thing you needed? You get the opposite here. While Money Flows is still young, you get a direct line to Justine and you get to ask for the features you actually want built, and she builds them. So the app grows around your money and the way you think, while it's still taking shape.
Pricing
One simple price, no deadline
Pay once and keep it, or pay monthly. The price does not change.
For scale: the popular budgeting apps charge around US$100 a year, every year, forever. Money Flows is US$147. Once.
Monthly
Available anytime.
- Everything included
- US$108/year ongoing
- Cancel anytime
Lifetime
Pay once, keep forever.
- Everything included
- Updates forever
- No ongoing cost
What's included, whichever you pick
- Lifetime access to Money Flows on your phone, all future updates included
- The horizon view: everything landing on your card over the next week, month and quarter, from what you upload and the regular bills you tell it about
- The Spoken-for number: one glance tells you what leaves before your next pay
- Day-one setup: tick the bills you know about and the horizon is useful in two minutes
- Indie, the AI coach, auto-tagging every transaction across your streams
- Unlimited streams: personal, business, rental, side income, joint, however many you run
- Receipt photo capture and bank statement upload, no bank login required
- Tax-deductible spend flagging and export, ready for your accountant
- Forgotten-subscription detection, so you can cancel what you don't use
- Indie's monthly wrap: a plain-English summary and three things worth doing
- Ask Indie anything about your own money, in plain English
- Works wherever you are, no US-only nonsense
- A direct line to Justine, the founder, while Money Flows is still young
- 7-day money-back guarantee, no questions
- One payment of US$147, or US$9 a month if you'd rather
US$9/month, or pay once and keep it forever. 7-day money-back guarantee.
Guarantee
The 7-day, no-questions money-back guarantee
Try Money Flows for a full week. Snap some receipts, upload a statement, tell it your regular bills, watch the horizon view fill in. If it doesn't help you feel more in control of your money, email me inside 7 days and I'll refund you every cent. I eat the risk, not you. That's the deal.
The maker
Who's behind Money Flows
I'm Justine Bevilacqua. I spent eighteen years as a radiographer in trauma hospitals, and I build practical systems for women who are done being busy.
I made Money Flows because I have a salary, a business, a side income and a partner, and every finance app I tried assumed I was one person with one wallet and infinite discipline. So I built the one I actually needed: the one that shows me what's coming, not just what's gone.
Money Flows is brand new, which is why you get my personal email address while you're inside. My promise: I'll keep building this until it's the last money app you ever need.
Justine xx
FAQ
Questions, answered straight
One last thing
Know what's coming before your card decides for you.
US$9/month, or pay once and keep it forever.
And the quiet payoff nobody puts on a sales page: the low hum of 'did that bill come out?' just stops.
You've kept everything else running for years. This is the bit that finally runs itself.
7-day money-back guarantee, no questions
Justine xx