Fluid Finances is your smart financial control. Manage income, expenses, credit cards, automatic debits, fixed-term deposits, and debts all in one place, month by month, without spreadsheets and without complications.
Designed to replace that Excel spreadsheet you've been dragging around for years: same logic, but with the convenience of a modern app and the peace of mind of having everything in your pocket.
WHAT CAN YOU DO?
- Monthly income and expenses with customizable categories and budgets for each category.
- Credit cards with installment purchases: you add them once, and the app automatically distributes them month by month.
- Automatic debits with quick activation/deactivation.
- Fixed-term deposits with APR calculation, maturity date, final amount, and interest. Renew them automatically with a single tap.
- Debts and loans (I owe/I am owed) with partial payments and automatic closing.
- Categories with colors and icons, and an optional monthly budget.
- Payment reminders and fixed-term deposit due dates at times you choose.
REPORTS THAT ARE EASY TO UNDERSTAND
- Pie chart of expenses and income by category.
- Trends over the last 6 months.
- Comparison of expenses against the average of the previous 3 months: instantly see what went up and what went down.
- Budget status with progress bar (green, yellow, red).
INCLUDED FINANCIAL TOOLS
- Fixed-term deposit ladder.
- Simple fixed-term deposit calculator.
- Reverse commission (how much to charge to receive X?).
- Annual Nominal Rate (ANR) to monthly rate converter.
- Percentage change.
- Calculation of amount + percentage.
TRUE PRIVACY AND SECURITY
- 100% offline: your data lives on your phone, not in the cloud.
- No account, no registration, no email.
- PIN and fingerprint or facial recognition lock.
- 6-word backup phrase to recover access if you forget your PIN.
- Backup of your entire database in a single, exportable, and shareable file (change phones without losing anything).
- Export your entire history to CSV, ready to open in Excel or Google Sheets.
OTHER DETAILS YOU'LL NOTICE
- Swipe an item to edit, duplicate, or delete.
- Configurable left or right side menu (left-handed users welcome).
- Optional sample data at startup so you can try it out without entering anything.
- Clean and fast design.
No intrusive subscriptions. No data collection.
Developed by ducode (ducode.com.ar).