Welcome to FlowTrack — what you can do here

You just took a meaningful step toward understanding your finances. FlowTrack is a personal finance dashboard built for Indians who want clarity — not complexity — about where they stand financially.

This guide walks you through everything FlowTrack can do so you know exactly what to explore first.

What FlowTrack Does for You

Net Worth Tracking

Your net worth is the single most important number in personal finance. It is everything you own minus everything you owe. FlowTrack brings together your bank balances, investments, property, gold, EPF, NPS, and liabilities into one clear number.

No more mental arithmetic across five apps to figure out where you stand.

Cash Flow Analytics

Income minus expenses equals your cash flow. FlowTrack helps you log and categorise your income and expenses so you can see exactly where your money comes from and where it goes every month.

You will spot patterns you never noticed — like that ₹3,000/month food delivery habit or the subscription you forgot to cancel.

Financial Health Score

FlowTrack scores your financial health on a scale of 0 to 100 using 10 research-backed indicators:

1. Emergency Fund — Do you have 3–6 months of expenses saved?
2. Debt Ratio — How much of your income goes toward debt payments?
3. Savings Rate — What percentage of your income are you saving?
4. Term Insurance — Is your family protected if something happens to you?
5. Health Insurance — Are you covered for medical emergencies?
6. Credit Health — How does your CIBIL score look?
7. Nominee Coverage — Have you assigned nominees to all accounts?
8. Retirement Readiness — Are you on track for retirement?
9. Investment Diversification — Are your investments well-balanced?
10. Net Worth Growth Rate — Is your wealth growing year over year?

Each indicator gives you a score and, more importantly, tells you exactly what to do to improve it.

Goal Tracking

Whether you are saving for a house down payment in Mumbai, your child's education, or early retirement, FlowTrack lets you set goals and track your progress against them. You will see projected timelines based on your current savings rate.

20 Free Financial Calculators

FlowTrack includes calculators for SIP returns, EMI payments, retirement corpus, FIRE number, tax savings under old and new regimes, and more. These are not just number crunchers — they connect to your actual financial data when you are logged in.

Lifestyle Creep Detector

As your income grows, your expenses tend to grow with it. FlowTrack's lifestyle creep detector watches for this pattern and alerts you before it erodes your wealth-building capacity.

Reports and Insights

FlowTrack automatically generates monthly summaries, year-over-year comparisons, and actionable insights. No spreadsheets required.

How You Add Your Data

FlowTrack is 100% manual — you add all your assets, liabilities, income, and expenses yourself. This is by design:

• No bank linking — FlowTrack never connects to your bank accounts
• No credentials needed — we never ask for banking passwords, PINs, or OTPs
• Complete security — since we never access your accounts, your money is completely safe
• Works with everything — track any asset or liability from any institution

The manual approach means you stay aware of every number in your financial life. If tracking hurts, you change.

Who FlowTrack Is For

FlowTrack is built for anyone in India who:

• Has financial accounts scattered across multiple banks and apps
• Wants to understand their net worth without a spreadsheet
• Cares about financial health but does not want to become a finance expert
• Wants a clear, honest picture of where they stand

Whether you earn ₹5 lakh or ₹50 lakh a year, the fundamentals are the same — and FlowTrack helps you master them.

What to Explore Next

Here is a suggested path to get the most out of FlowTrack:

1. Create your account — takes 2 minutes
2. Set up your first net worth snapshot — takes 5 minutes
3. Review your health score — understand where you are strong and where to improve
4. Set your first goal — give your savings a purpose

Ready to set up? Start with adding your first asset →