Accounts & Multi-Currency
Organize bank, wallet and cash balances across different currencies with a selected reporting currency.
Personal finance, budgeting and cash-flow planning in one place
Personal finance management that makes your money easier to understand.
DM FLOW is a modern personal finance manager for tracking accounts, income, expenses, budgets, savings goals, debts, recurring bills, shared spending and multi-currency cash flow from one dashboard.
Track your money
Accounts, transactions and currencies
Plan ahead
Budgets, goals, bills and forecast
Understand the flow
Spending mix, outlook and insights
DM FLOW at a glance
What is DM FLOW?
DM FLOW is a web-based money management application designed to give individuals a clear picture of their personal finances. It combines everyday transaction tracking with budgeting, savings goals, debt tracking, recurring payments, shared expenses and forward-looking cash-flow planning.
Instead of keeping bank balances, budgets, subscriptions, debts and future purchases in separate spreadsheets or apps, DM FLOW brings them into a single organized workspace.
Core answer
What can DM FLOW track?
Bank, wallet and cash accounts in multiple currencies.
Income, expenses, transfers, merchants, categories and tags.
Monthly budgets, category limits, savings goals and sinking funds.
Credit cards, loans, debts, minimum payments and liabilities.
Recurring bills, shared group expenses, notifications and 30-day outlook.
Money dashboard
See your money flow without digging through spreadsheets.
Your dashboard brings balances, money flow, spending mix, smart insights, budgeting and your 30-day outlook together in one view.
Personal finance features
One workspace for the full money cycle.
Track what happened, understand what is happening now and plan what comes next.
Transactions & Tags
Record income, expenses and transfers with categories, merchants, notes and reusable tags.
Budgets & Spending Mix
Set monthly and category limits, compare actual spending with your plan and see where money is going.
Savings Goals
Create savings targets or sinking funds, add contributions, record withdrawals and monitor progress.
Liabilities & Net Worth
Track credit cards, loans and debts together with due dates, minimum payments and overall financial position.
Recurring Bills & Forecast
Manage repeating payments and use a 30-day cash-flow outlook to see upcoming income, expenses and projected balance.
Shared Expenses
Split group transactions, track who paid, understand member balances and record settlements.
Finance Alerts
See budget warnings, upcoming payment reminders, low-balance alerts, liability due dates and goal milestones.
CSV Import & Export
Move transaction data in or out with preview, validation and duplicate-aware CSV importing.
How it works
From daily transactions to a clearer financial picture.
01
Add your accounts
Create the bank, wallet or cash accounts you want to manage and choose their currencies.
02
Track and organize
Record transactions, recurring payments, budgets, goals, liabilities and shared expenses as your financial life changes.
03
Review and plan
Use money flow, spending mix, budget progress, alerts and your 30-day outlook to make better-informed decisions.
Who it is for
Built for people who want one clear view of their money.
DM FLOW fits personal budgeting, freelancers, people who use multiple banks or currencies, couples or friends sharing expenses, and anyone who wants to combine everyday tracking with future planning.
Why it is different
More than a transaction list.
DM FLOW connects balances, spending, budgets, goals, liabilities, recurring commitments and cash-flow forecasts. That makes it easier to understand both your current position and what your finances may look like next.
Frequently asked questions
DM FLOW personal finance FAQ
Short answers to the most common questions about the platform.
What is DM FLOW?
DM FLOW is a web-based personal finance manager that brings accounts, transactions, budgets, savings goals, liabilities, recurring payments, shared expenses, forecasts and multi-currency reporting into one dashboard.
Can DM FLOW track multiple currencies?
Yes. DM FLOW supports accounts and transactions in multiple currencies and can present totals in a selected default currency using exchange-rate conversion.
Does DM FLOW include budgeting and savings goals?
Yes. You can create monthly budgets, set category limits, track spending against a plan, create savings goals and record contributions or withdrawals.
Can I track credit cards, loans and other debts?
Yes. DM FLOW includes liabilities for credit cards, loans, debts and buy-now-pay-later balances, with due dates, minimum payments and net-worth visibility.
Can DM FLOW help with recurring bills and future cash flow?
Yes. Recurring payments, upcoming obligations and a 30-day cash-flow forecast help you understand expected income, expenses and projected balances.
Can I split expenses with other people?
Yes. Shared Groups let you record group transactions, split amounts between members, track who owes what and record settlements.
Build a clearer view of your personal finances.
Create your DM FLOW account and bring accounts, budgets, goals, debts, recurring bills and cash-flow planning into one organized workspace.
Create Your Account