The only free, local, and privacy-first tool that combinesAI-powered analysiswith beautiful visualizations
See why thousands choose StashFlow over traditional budgeting tools
Note: StashFlow leads in privacy, price, and speed while matching or exceeding competitors in features and ease of use.
💡 Key Insight: StashFlow is the only tool offering 100% local data storage and no account requirement, giving you complete control and privacy that competitors simply cannot match.
| Feature | StashFlow | Mint | YNAB | Personal Capital | Excel |
|---|---|---|---|---|---|
| Price | Free Forever | Free* | $14.99/mo | Free* | Included |
| Data Privacy | 100% Local | Cloud | Cloud | Cloud | Local |
| Account Required | ❌ No | ✅ Yes | ✅ Yes | ✅ Yes | ❌ No |
| Auto Fixed Charge Detection | ✅ AI-Powered | ⚠️ Manual | ⚠️ Manual | ⚠️ Limited | ❌ No |
| Balance Reconstruction | ✅ Automatic | ❌ No | ❌ No | ❌ No | ⚠️ Manual |
| 3-Month Projections | ✅ Advanced | ⚠️ Basic | ✅ Yes | ⚠️ Basic | ❌ No |
| CSV Import | ✅ Multiple Formats | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Interactive Charts | ✅ 6 Types | ✅ Yes | ✅ Yes | ✅ Yes | ⚠️ Manual |
| Offline Mode | ✅ Full | ❌ No | ⚠️ Limited | ❌ No | ✅ Yes |
| Setup Time | < 2 minutes | 15-30 min | 30-60 min | 20-40 min | Hours |
* Free tiers with limitations, ads, or data sharing requirements
See how much time you'll save with StashFlow's automated analysis
💰 Value Proposition: Save up to 11.5 hours per month compared to manual tracking. That's 138 hours per year you can invest in what matters!
📊 Based on user data: Users who leverage StashFlow's insights save on average $70-100 more per month by identifying and optimizing fixed charges early.
Every feature designed to give you complete financial clarity
Our advanced algorithm automatically identifies recurring expenses without manual configuration.
💡 How it works: StashFlow analyzes patterns over 45 days, detecting charges with 95% accuracy. Say goodbye to manual entry!
Transform a single current balance into a complete financial history automatically.
💡 How it works: No need to manually calculate past balances. Enter your current balance, and StashFlow reconstructs everything by going back in time, day by day.
Your financial data never leaves your device. Complete privacy guaranteed.
💡 How it works: Unlike cloud-based solutions, StashFlow processes everything locally. No accounts, no servers, no data breaches.
Visualize your future finances with accurate projections based on real data.
💡 How it works: Combine your validated fixed charges with income patterns to see exactly where your balance will be in the coming months.
Automatically calculate how much you can save monthly based on your spending patterns.
💡 How it works: StashFlow analyzes your income and expenses to give you a realistic savings capacity, helping you set achievable financial goals.
Visualize your finances with beautiful, interactive charts that respond to your actions.
💡 How it works: Hover, click, zoom, and explore. Our charts adapt to your data, showing exactly what you need to understand your finances.
See how StashFlow transforms financial management
Users discover an average of 3-5 forgotten subscriptions in their first analysis.
Average monthly savings increase by $70-100 after optimizing fixed charges.
Reduce monthly budget management time from hours to minutes.
Join thousands of users who have taken control of their budget with StashFlow