Track every dollar. Grow your investments. Plan your retirement. FlowLedger is the complete wealth dashboard built for independent workers — in every country, every currency, every situation.
Join free — early access is open
No credit card · No subscription · No catch · 100% free right now
Independent workers from 50+ countries already signed up
The Problem
You made $40K this year. Tax season hits and you owe $9K you never set aside. FlowLedger tells you exactly what to save — on every single payment, in real time.
Crypto on one app. Stocks on another. Income in a spreadsheet. Taxes a guess. FlowLedger brings everything — income, investments, retirement — into one dashboard.
No employer. No pension. No automatic contributions. Most independent workers have done nothing about retirement. FlowLedger makes it automatic — every payment builds your future.
Every finance app assumes USD salaries and US tax rules. FlowLedger works for every currency, every country, every tax system. Built for the global majority.
Everything Included — Free for 30 Days
Real-time tax estimates on every payment the moment it lands. 40+ country tax rules built in — US, UK, Kenya, Nigeria, India, Germany and more. Never surprised at year end again.
See gross revenue, fees deducted, tax allocated, and net profit per client. Know exactly who's worth your time after everything — and who's costing you money.
Track stocks and crypto in one place alongside your income. Portfolio performance, gains and losses, and what percentage of your earnings are growing for you — all visible in real time.
Set your retirement goal. Get automatic set-asides on every invoice. Country-specific pension recommendations for Solo 401k, SIPP, NSSF, NPS and 30+ more accounts globally.
"Net worth up 5% this month. Save $200 more to hit your retirement target. Your BTC is up 8% — consider rebalancing." Weekly personalized summaries — not generic advice.
Multi-currency with auto-conversion. Local tax rules for every major market. Country-specific pension recommendations. Works wherever you live and earn in the world.
Investments Tracker
Most finance apps completely ignore your investments. FlowLedger connects your income, portfolio and retirement into one complete wealth picture — updated in real time.
Assumes 7% annual return. For illustration only — not financial advice.
Add holdings manually or sync from your broker or exchange. Track performance, gains and losses — all in the same dashboard as your income and taxes.
Income + investments + savings + retirement pot — minus tax liability. One real number, updated automatically. Not a guess — an actual picture of your wealth.
Set a percentage of every payment toward investments. Tracked alongside taxes and retirement so building wealth is never an afterthought — it happens every time you get paid.
Track in any currency. Multi-exchange crypto support. Gain/loss in your local currency for tax purposes. Works whether you invest in the US, UK, Africa or anywhere.
Retirement Planning
No employer pension. No automatic contributions. No one forcing you to save. FlowLedger is the only tool that makes retirement automatic — every time you get paid.
Assumes 7% avg annual return. For illustration only — not financial advice.
Retire at 50 with $4,000/month? FlowLedger calculates exactly what to save and adjusts dynamically as your income fluctuates.
Every payment splits automatically — taxes, retirement, investments, take-home. No manual transfers. No forgetting. Happens every time you get paid.
See exactly how close you are to your goal every month. Celebrate milestones. Know your number. Stay on track.
The right account for your country with tax benefits explained in plain language. Globally covered.
AI Financial Coach
Meet Flora — your personal AI financial coach. Ask anything about your money, get instant personalized advice, and never feel judged. Available 24/7 in your language.
Flora knows your income, investments, tax situation and retirement goal. Every answer is specific to YOU — not generic advice you could Google.
Flora responds in your language. English, Spanish, French, Swahili, Hindi, Bahasa, Portuguese and more. Financial clarity without language barriers.
"Should I rebalance my portfolio?" "How much tax do I owe this quarter?" "Am I on track to retire at 55?" Ask anything. Get answers in seconds.
Flora notices when something needs your attention — tax deadlines, investment rebalancing opportunities, invoice follow-ups — and tells you before it becomes a problem.
Integrations
Crypto wallets, stock brokers, freelance platforms, payment processors — all pulling into one dashboard automatically.
Community & Resources
Freelancing can feel isolating. FlowLedger gives you a community of independent workers who share advice, opportunities and wins.
Ask questions, share wins, get advice from real independent workers in your situation. Organized by country, income level and profession — so advice actually applies to you.
FREE ACCESSFind fellow freelancers to partner with on projects, refer clients to, or build products together. FlowLedger matches you based on skills, location and goals.
PRO FEATURECountry-specific tax guides written in plain English. How to open a retirement account in your country. Investment basics for beginners. Free for all members.
FREE ACCESSMonthly webinars with tax experts, financial planners and successful freelancers. Topics like "Taxes for Digital Nomads" and "Building Wealth on Irregular Income."
PRO FEATUREAdvanced Analytics & Predictions
AI-powered forecasting that models your financial future — and tells you exactly what to do right now to get the outcome you want.
"At your current savings rate, your portfolio will reach $123K in 10 years at 7% average return." Visual projections updated every time your income or investments change.
"What if my income drops 20%?" "What if I increase investments to 25%?" Model any scenario and see exactly how it changes your retirement date, net worth and monthly take-home.
AI monitors your income patterns and flags anything unusual — unexpected fees, duplicate charges, suspicious transactions — before they become problems.
A live score from 0–100 showing how well you're managing taxes, investments, retirement savings and cash flow — with specific actions to improve it each month.
For illustration only — not financial advice.
How It Works
No credit card. No subscription. No catch. Free during the entire early access period. Just sign up and start building your financial picture in minutes.
Link Stripe, PayPal, or import a CSV. FlowLedger auto-converts currencies and logs every payment instantly — no manual entry.
Taxes, retirement savings, investment allocation, real take-home — calculated instantly on every invoice based on your country and goals.
Connect your crypto and stocks. See income, investments and retirement in one complete net worth dashboard — updated in real time.
Monthly AI summaries. Retirement progress. Investment performance. Net worth milestones. Financial freedom — visible, trackable, achievable.
Early Access
FlowLedger is completely free during early access. Every feature. Every country. No credit card. No subscription. We're validating with real users before introducing any paid plans — and early members will always get the best deal when that day comes.
Every single feature. No limits. No hidden tiers. Free for every user during early access.
We're being honest — paid plans will be introduced after we reach 1,000 early members. When that happens, everyone who signed up during early access locks in a permanent discount. The earlier you join, the better your deal.
Join independent workers from 50+ countries building real financial freedom with FlowLedger. Completely free during early access — no credit card, no subscription, no catch. Ever.