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Privacy-first personal budgeting

See where your money goes—without linking your bank.

Import a transaction CSV from your bank, organize spending with categories, and track goals in one clear personal budget.

Create an account See how it works

No bank login required.

May 1–31
Total Saved$600.00
+$100.00 above goal
Total earned:$3,080.00
Total spent:-$2,480.00
Category Spending

Top Categories

CategoryTotal Spent
Groceries+$80.00 until you reach your goal
$420.00
Housing
$1,250.00
Transport+$65.00 until you reach your goal
$185.00
  • CSV transaction import
  • Reusable category rules
  • Goal tracking

A different way to budget

Budget without an always-on bank connection.

FlowVault works with supported transaction files you export from your bank. You choose what to upload and when, then get the organization and insights of a budgeting app without a live bank connection.

Typical linked budgeting app

  • Authorize an ongoing account connection
  • Transactions sync on the service's schedule
  • Connection availability can vary by bank

FlowVault

  • Upload a supported bank-exported CSV
  • You choose when to import transactions
  • No live bank connection is required

How FlowVault works

From transaction export to useful budget in three steps

Bring the transaction data you already have, organize it once, and turn it into a budget you can keep using.

01

Upload your transactions

Export a supported CSV from your bank, then map the date, merchant, and amount columns so FlowVault can organize it.

Bank export.csv3 columns mapped
Date purchasedTransaction DateMapped
MerchantDescriptionMapped
AmountDebit / CreditMapped
02

Review and categorize

Organize expenses into categories that make sense to you. FlowVault remembers your choices to reduce repeat work on future imports.

Review transactionsRule saved
Fresh Market−$64.20
Groceries
Metro Transit−$28.00
Transport
Corner Cafe−$18.40
Dining
03

Track spending and goals

See spending summaries, monitor top categories, and compare your progress with category and savings goals.

Goal progressMay 1–31
Groceries$420.00 · $500 goal
Housing$1,250.00 · Monthly total
Transport$185.00 · $250 goal
Savings goal$600 of $1,000

Built for follow-through

Less spreadsheet work. More useful spending context.

FlowVault turns a manual transaction export into a repeatable view of where your money is going and what you want it to do next.

Rule applied

Categorize faster over time

Reuse learned category rules for similar future transactions instead of starting over with every import.

Fresh Market → Groceries
May 1–31

See spending by date range

Review totals and top spending categories for the period that matters to your budget.

$2,480 total spending
84% used

Set category spending goals

Give categories clear targets and compare actual spending with your monthly plan.

Groceries $420 / $500
60% complete

Keep savings visible

Set a savings goal and review average monthly savings across a selected range.

$600 / $1,000 goal

Privacy by workflow

Budgeting without a live bank connection

You bring the transaction exports you choose, on your schedule. FlowVault gives you a budgeting workflow without asking you to authorize ongoing access to a bank account.

  • Import instead of connect

    Use a supported transaction export rather than a live bank feed.

  • You choose when to upload

    Add new transaction data when you are ready to review it.

Questions, answered

Know what to expect before you begin.

The essentials of importing transactions and building your FlowVault budget.

Do I need to connect my bank account?

No. FlowVault uses transaction files that you choose to export and upload, so it does not require a live connection to your bank account.

How do I import transactions?

Export a supported CSV transaction file from your bank, upload it to FlowVault, and confirm how its columns map before reviewing the transactions.

Which columns does my CSV need?

FlowVault's import workflow maps a purchase date, merchant, and amount. You can review the mapping before the transactions are added.

How does automatic categorization work?

When you categorize a transaction, FlowVault can reuse that choice as a rule for similar transactions in future imports. You stay in control during review.

Can I create categories and goals?

Yes. You can organize spending with your own categories, set category spending goals, and keep a savings goal visible alongside your progress.

Start with the data you already have

Build a clearer budget without linking your bank.

Import your transactions, organize spending, and keep your goals in view with FlowVault.

Create an account No bank login required.