SpendFlow – Privacy-first personal finance app without bank connections

Summary: SpendFlow is a free personal finance app that enables users to create virtual cards, track expenses manually, manage budgets, and set savings goals without connecting to banks. It ensures complete data privacy by requiring manual entry and offers shared tracking for couples or solo users.

What it does

SpendFlow provides unlimited virtual cards functioning like cash envelopes and allows manual expense tracking and budget management without bank integration.

Who it's for

It is designed for individuals or couples seeking a privacy-focused budgeting tool without linking bank accounts.

Why it matters

It solves privacy concerns by eliminating bank connections while helping users control spending and avoid late fees.