The budgeting app banks will never
build for you.
Complete visibility over your money. Every penny tracked. Every week planned. Every pay cycle understood before it happens. Not just your balance — your real financial picture.
UK households are drowning. Banks profit from it.
8.3 million people in the UK are over-indebted. The average household carries £3,700 in unsecured debt at 24.7% APR. Most have no clear picture of where their money is going — or how to change it.
£3,700
Average unsecured debt per UK household
8.3M
Adults in the UK classified as over-indebted
1 in 3
UK adults have less than £500 in savings
“Your bank knows exactly how much you owe them. It has no incentive to help you pay it off faster.”
Built against the system. For the people it ignores.
Flowkast exists because the tools people need most — real spending clarity, honest debt tracking, pay-cycle-aware planning — have never been built by institutions that profit from financial confusion.
We're not a bank. We have no interest in keeping you in debt. We built Flowkast to do the one thing banks were never designed to do: show you the complete, honest truth about your money.
What we believe
- Financial clarity is a right, not a premium feature
- Pay cycles matter more than monthly averages
- Debt visibility is the first step to debt freedom
- Your data should work for you, not against you
Your bank shows you a number. We show you the truth behind it.
Flowkast takes everything coming out of your account — bills, debt payments, savings goals — and tells you what's genuinely left. Not eventually. Right now. Week by week.
Everything your bank dashboard never thought to include.
Built from the ground up with a single question: what would a financial tool look like if it were truly on your side?
Real Disposable Income
Know exactly how much you have left after every fixed cost, debt repayment, and savings contribution. Not a rough estimate — a precise, up-to-date number.
Pay Cycle Planning
Flowkast aligns to your actual payday — weekly, fortnightly, or monthly. Every calculation is anchored to when money actually lands in your account.
Debt Warning Signals
Spot the moment debt payments start consuming a dangerous share of your income. Flowkast flags early warning signs before they become a crisis.
Weekly Budgets
Break your monthly picture into manageable weekly slices. See exactly what you can spend each week and watch the number update in real time.
Spending Forecasts
Project your financial position weeks ahead. Know before the month ends whether you're on track — or quietly heading into the red.
Zero Bank Bias
No sponsored products. No upsells. No incentive to keep you borrowing. Flowkast is built for your financial health — not to profit from your debt.
We exist to move money toward people, not away from them.
Flowkast pledges 10% of net profits toward financial literacy programmes and debt relief initiatives in the UK. The more people we help get clear, the more we can give back.
Ring-fenced for financial literacy programmes and debt relief charities — written into our founding charter.
Financial coaching partnerships
Working with non-profit debt charities to give free access to users in hardship.
Free forever tier
Core features will remain free. Financial visibility shouldn't be a luxury.
Open impact reporting
Annual reports on debt reduction outcomes across the user base — no greenwashing.
We're asking for your trust. Here's what we promise.
Finance apps have a history of turning users into products. We intend to break that pattern — in writing, in code, and in every design decision we make.
No dark patterns
We will never design flows that confuse you into paying for something or staying subscribed. Cancellation is always one tap. Transparency is not optional.
No upsells in disguise
We won't show you comparison tables for credit cards, loans, or financial products and call it 'helping you'. If it benefits us more than you, it doesn't ship.
Your data stays yours
We don't sell data to brokers. We don't share financial behaviour with advertisers. Your information is used to improve your experience — nothing else.
Honest about limitations
Flowkast is not a financial adviser. We'll always tell you when you should speak to one. We'd rather lose a user than give advice we're not qualified to give.
“The moment we stop being genuinely useful to you, we stop being a business worth running.”
— Flowkast founding principle
Join the waitlist.
It's free.
Get early access, launch-day pricing, and a front-row seat to the budgeting app banks will never build for you.