The forecast explains itself
Every projected row traces to the assumption that produced it. Credit cards are modeled statement-aware, so the app knows the difference between a charge and the payment that leaves your account weeks later.
See your money before it happens.
DohFlow is a different kind of personal finance app. It focuses on the question, "will I have the money to cover my upcoming obligations?" by projecting your daily cash flow into the future. Open Source. Local. Secure.
Free forever · Signed and notarized · macOS 14 or later
Most finance apps are a rear-view mirror
They categorize what already left your account. That is useful for filing taxes and useless for the question people actually have, which is whether the next few weeks are going to be fine.
DohFlow treats a household the way a CFO treats a business — balance sheet, cash flow, debt schedule, scenarios — and points all of it forward.
It admits what it does not know
Projections carry uncertainty bands built from your own history, and the app backtests its own accuracy. When it lacks the history to project confidently, it says so rather than guessing.
Your data never leaves
A SQLCipher vault with an Argon2id-derived key, on your machine. There is no DohFlow server to send anything to — not as a policy, as an architecture.
What it does
-
Forecast and scenarios
A daily cash-flow projection you can interrogate, and what-ifs you can compose without touching your real data.
-
Money Inbox and import
One triage surface for everything that needs your attention, and a staged import pipeline that never writes raw files to disk.
-
Categorization and review
A searchable picker, splits, tags, and merchant memory that learns once and applies on every future import.
-
Debts and bills
Recurring bills with schedule detection and autopay tracking, plus payoff comparison that shows what each strategy actually costs.
-
Vault and backups
SQLCipher at rest, an Argon2id key derivation, encrypted backups, and a restore path that has actually been tested.
-
Bank refresh via SimpleFIN
Optional direct bank refresh with a pasted token. No developer keys, no relay server, and manual entry is always enough.
Local-first, free forever
Your data never leaves your Mac — this local app stays free and AGPL-3.0 forever, the full feature set, every release. A hosted, synced version may exist later as a separate paid product; see pricing for what that would and would not change.