Find where your money is leaking.
Upload one bank statement. FLOW shows exactly where your money leaks today, what it is worth once you redirect it, and the year it could set you free. Not another tracker: a plan you can act on.
Free first report · No card needed · No bank login · Delete anytime · GDPR-first
Four questions your banking app never answers.
Your bank shows you the past and stops there. FLOW answers the four questions that actually change your future.
What happened
Where your money really went, every leak, read straight from your statement.
What is happening
Your cashflow, reserve and Freedom Score right now. One number to watch.
What will happen
Where today’s habits take you in 10, 20, 30 years. Simulated, not guessed.
What to do next
The three highest-impact moves, each with the euros it adds to your future.
Three steps. No bank login.
Upload your statement
Upload a PDF, CSV or other supported bank statement (OFX/QFX, MT940, CAMT.053). No bank login required, your data stays under your control.
FLOW reads, asks and learns
FLOW detects recurring payments, spending patterns, waste, cashflow pressure and reserve risk. When a transaction isn’t clear, it asks you to label it, so every report gets smarter than the last.
Get your action report
A clear report: what to cancel, reduce, renegotiate and redirect, and for each charge, whether you still actually need it.
FLOW isn’t a one-off scan. Every month it understands your money a little better, and the advice gets sharper.
Your money, finally on one clear page.
A clear, downloadable money-leak report. The numbers below are an example.
- You pay for 5 recurring services. 2 look inactive.High impact
- Your fixed monthly costs are too high relative to income.High impact
- Takeout and coffee spending increased by 34%.Medium
- Your emergency reserve is below a safe level.Medium
- First recoverable amount: €137/month.Quick win
- + 7 more findings unlocked in your full report
For every recurring charge, FLOW asks the one question that matters: do you still actually need this?
Get my full report · €4.99Start free. Get the plan when you’re ready to act.
See your leaks and your Freedom Score for free. Plans scale with how much FLOW processes for you: from one statement to your whole company. Founding lifetime is open until Dec 31, 2026 or while founding seats last. FLOW is early; founding prices reflect that. Introductory prices sit well below the standard prices that apply after launch. They will rise; yours won’t.
All prices are final and include VAT.
Upload your statement and see where your money leaks and your Freedom Score, free.
- 1 statement a month · 1 bank account
- Your total monthly leak
- How many recurring services you pay for
- Your top 3 headline findings
- Your Freedom Score
Every leak named and ranked, your first moves, and what each one is worth to your future.
- Everything in the free reveal
- Full transaction-by-transaction analysis
- Every recurring payment detected
- Hidden waste, itemized
- Cashflow pressure & reserve health
- Your 10- and 20-year forecast
- Your first 3 actions, with their impact
- Downloadable PDF plan
Your whole financial life, forecasted and on track, every month. Each month FLOW tells you what changed, which new costs appeared and your next best move.
- Up to 3 bank accounts
- Up to 12 statements a month
- Add your partner and household accounts
- A fresh scan and forecast every month
- Your Freedom Score, tracked over time
- Ask FLOW Advisor anything about your money
- Alerts on price rises and new subscriptions
- Goal and reserve tracking
Your financial data stays under your control.
One statement holds every leak. You decide what we ever see.
Fair question: why a file, and is it safe? Here is exactly what FLOW reads, how little that is, and why we never touch your bank login. About a minute from now, you could be looking at money you have quietly lost for years.
The one record that never lies
Your memory rounds up; your statement never does. FLOW reads every line and shows, to the cent, where your money really goes. No guessing, no judgement.
You mask it, we never see it
FLOW needs only the date, amount and description from each line. Black out your name and account first; what is left is just numbers, encrypted, and gone the moment you delete it.
We never touch your bank login
No passwords, ever. You share a file, not your credentials. Compatibility depends on the exported format and is verified bank by bank; direct connection may come later as an option.
Export guides for banks around the world.
A guide does not guarantee parser compatibility. FLOW deterministically supports CSV, OFX/QFX, MT940 and CAMT.053; PDF support depends on the export and may use AI only with your consent.
The same money, ten years from now.
Every euro you stop leaking can be redirected and left to compound. Move the slider and see what today’s small leaks are really costing your future self.
How much is your account quietly losing?
Select the costs you suspect may be higher than necessary and watch the total add up. Then upload your statement for your real number, the one that actually counts.
The money you already have is quietly leaking, every month.
You don’t lose it in one dramatic mistake. You lose it in silence: forgotten subscriptions, bank fees, duplicate services, bad tariffs, impulse buys, debt pressure and cashflow gaps. Tiny leaks you never feel, draining the same account month after month, for years. Most of it is recoverable, the moment you can see it.
Forgotten subscriptions
Free trials and services you stopped using but still pay for.
Bank fees
Account upkeep, card fees and charges that quietly add up.
Duplicate services
Two tools, two accounts, two bills for the same thing.
Mobile / internet plans
Old tariffs and data you never use, locked in.
Takeout & lifestyle drift
Coffee, delivery and small habits that creep up.
Fixed-cost pressure
Rent, loans and contracts that eat too much of your income.
What FLOW actually checks.
No vague AI promises. Concrete checks, run on your real statement.
Not another budgeting app.
They gave you charts and categories, then asked you to do the work, every day, forever. Most people quit within a week, and the money keeps leaking. FLOW is the opposite: you upload once, it does the analysis, and tells you exactly what to fix first.
Traditional budgeting apps
Work you have to do- You track every expense
- You sort it into categories
- You stare at charts
- You rely on willpower
- You plan the budget
- You keep the habit going
VESTELON FLOW
Work done for you- It reads your real statement
- It finds the money leaks
- It hands you decisions
- It flags cashflow pressure
- It gives you the first 3 actions
- It gets smarter every month
FLOW does the thinking. You just make the decision.
Watch FLOW turn one statement into a plan.
A 60-second look at the dashboard, the AI brain, the big decisions and the money leaks FLOW uncovers.
No hype, no fake reviews. A real EU company and one clear promise.
FLOW is built by VESTELON, a decision-intelligence platform based in Prague, in the EU. We are early, and we say so plainly. You will not find invented testimonials or user counts here, only the things that actually protect you.
Registered in the EU
VESTELON is the decision-intelligence platform of Harbor Equity a.s. (IČO 21989249), based in Prague. Your file is processed under EU law and GDPR, and never sold. Not now, not ever.
No bank login required
You upload a file, never your passwords. You decide what to share and can delete it in one click. That is the point, not a limitation.
Honest while we are early
FLOW is built in the open with its first members. No fake numbers, no pressure: you see your own leaks for free, and only pay if it is worth it.
“Most people don’t lose money in one big mistake. It leaks out quietly, month after month, for years. We built FLOW to hand that money back to you.”
VESTELON · Prague, EU
Questions before you trust us with a file? Talk to a human: hello@vestelonflow.com
Questions people ask.
Do I need to connect my bank?
No. You can start by uploading an exported bank statement in PDF, CSV or another supported format (OFX/QFX, MT940, CAMT.053). Direct bank connections may come later through regulated partners.
Is this financial advice?
No. FLOW provides analysis and decision support. It does not replace licensed financial advice.
Can I delete my data?
Yes. You can delete uploaded files and generated reports from your account at any time.
What file types are supported?
CSV, PDF, OFX/QFX, MT940 and CAMT.053; direct bank integrations can be added later.
Is FLOW only for Slovakia?
No. FLOW works wherever bank statements contain structured transaction data. Local currencies and bank formats are expanded step by step.
What do I get for €4.99?
One full report from your uploaded statement: every recurring payment, hidden waste, cashflow pressure, your reserve health, your top findings and the first 3 actions to take, as a downloadable PDF. One upload, one clear report, no subscription. €4.99 is the founding launch price; the regular price will be €14.90.
FLOW Business
FLOW for your company: freelancers, agencies and small firms. See where the company money leaks, across every business account.
- Everything in FLOW Plus
- Up to 10 bank accounts
- Up to 60 statements a month
- Business and personal accounts side by side
- CSV export for your accountant
- VAT invoice for your company
- Priority support
Your account already shows the answer.
You don’t need another theory about money. You need to see what your own transactions have been telling you all along.
Questions? Write to us.
Ask us anything about FLOW, privacy or your report. A real person reads every message.