What real users say
01 — Smart Chat
Type like you're texting. AI handles the rest.
No need to open a separate app. Just message the Exflo bot on WhatsApp or Telegram — type 'dinner $20' or 'groceries $45' — and AI instantly understands, categorizes, and saves it to your financial report automatically.
- ✓Understands natural Indonesian & English
- ✓Confirms before saving — you stay in control
- ✓Auto-categorization powered by AI
02 — Voice Note AI
Too lazy to type? Just talk.
Driving, cooking, or hands full? Hold the mic button on WhatsApp or Telegram, say your expense, and send. Exflo AI will listen, transcribe your voice to text, and log it instantly — without you typing a single letter.
- ✓Auto-transcription in Indonesian & English
- ✓AI understands your workspace currency context
- ✓Perfect for on-the-go logging while driving
03 — Receipt Scanner
Snap a receipt. AI reads every number.
Just finished grocery shopping? Snap the receipt and send it to Exflo on WhatsApp or Telegram. AI reads every line item, amount, and total — then logs it all to your report instantly. Zero manual input required.
- ✓Advanced OCR reads various receipt formats
- ✓Supports digital (screenshot) & physical receipts
- ✓Data is never stored by AI — only processed
04 — Debt Tracker
Track debts clearly, keep friendships intact.
Ever forget who owes you money? Or forgot you already paid? Exflo tracks two-way debts cleanly. Send payment claims to other users, track installments, and everything is clearly documented.
- ✓Log debts & receivables to anyone
- ✓Send payment claims to other Exflo users
- ✓Track installments & mark as paid easily
05 — Dashboard & AI Advisor
Everything in view. AI gives advice.
Exflo's dashboard shows income & expense charts, 30-90 day cashflow predictions, financial health score, and personal AI advice to help you save more or know when to be careful.
- ✓Cashflow forecast up to 90 days ahead
- ✓Easy-to-understand Financial Health Score
- ✓Personal AI advice, not generic templates
And so much more.
Everything you need, in one place.
exflo.cloud
Exflo
exflo.cloud
🌐 No Install Needed
PWA (Progressive Web App) — open in browser, works like a native app. No App Store download needed.
🇮🇩 🇺🇸 🇸🇬 🇦🇺 🇯🇵 🇬🇧
🌍 Multi-Currency
Each workspace can have its own currency. IDR, USD, EUR, SGD, and hundreds more — fully supported.
🔗 Reports & Sharing
Generate beautiful financial reports in one click. Share via public link to anyone — no account needed.
Free Forever
Start without a credit card. Free, not a trial.
Exflo's Basic plan is enough for most people's daily needs. Upgrade only when you need more.
📝
Log Transactions
Unlimited daily entries
💰
1 Workspace
Ready to use instantly
🏷️
5 Custom Categories
Customize to your habits
🎯
2 Savings Goals
Track your financial goals
💳
Budget Tracker
Track spending limits
❤️
Health Score
Financial health metrics
🌍
Multi-Currency
All world currencies
📈
30-Day Forecast
Basic cashflow prediction
🔄
3 Recurring Bills
Log monthly bills
🤝
Debt Tracking
Track debts & receivables
🌐
PWA
No app install needed
🔒
Secure Data
Full privacy & encryption
How It Works
3 Steps. 60-Second Setup.
No lengthy tutorials. Get started in seconds.
1
Choose Your Assistant
Sign up for free, click our WA or Telegram bot link, and you're set in under a minute!
2
Just Chat Your Expenses
Type the amount, send a voice note, or snap a receipt. Let our AI figure out the categories.
3
Everything Auto-Reported
Open your dashboard anytime to view financial charts, track debts, and read AI advice.
Transparent Pricing
Choose the plan that best fits your needs.
Basic
Free forever. Start tracking your personal finances with no time limit.
$ 0 /mo
- 1 Workspace
- 2 Members
- 5 Custom Categories
- 2 Goals (Savings)
- 3 Recurring Bills
- Budget Tracker
- Health Score
- Chat Assistant (3 days trial*)
- AI Advisor (3x trial*)
- Receipt Scan (OCR)
- Forecast 30 days
- Smart Alerts (WhatsApp)
- Export Report (PDF/Excel)
- Shared Report Links
- Multi-Currency Support
* One-time trial only, does not reset monthly.
Most Popular
Plus
For families & small businesses. WhatsApp Assistant, AI Advice, and auto receipt scanning.
$ 4.99 /mo
- 3 Workspace
- 5 Members
- 30 Custom Categories
- 10 Goals (Savings)
- 15 Recurring Bills
- Budget Tracker
- Health Score
- Chat Assistant (15 days/mo)
- AI Advisor (10x/mo)
- Receipt Scan (15x/mo)
- Forecast 60 days + AI
- Smart Alerts (WhatsApp)
- Export Report (PDF/Excel)
- 3 Shared Report Links
- Multi-Currency Support
Pro
Full access for power users. Unlimited AI, automatic WhatsApp Smart Alerts, and 90-day forecast.
$ 12.99 /mo
- Unlimited Workspace
- Unlimited Members
- Unlimited Categories
- Unlimited Savings Goals
- Unlimited Recurring Bills
- Budget Tracker
- Health Score
- Chat Assistant (30 days/mo)
- AI Advisor (30x/mo)
- Receipt Scan (100x/mo)
- Forecast 90 days + AI
- Smart Alerts (WhatsApp)
- Export Report (PDF/Excel)
- Unlimited Shared Links
- Multi-Currency Support
International payments (USD) are processed by Paddle.com Market Limited as the Merchant of Record.
Domestic payments (IDR) are processed by Midtrans (PT Midtrans).
Full Feature Comparison
| Feature | Basic | Plus | Pro |
|---|---|---|---|
| 📊 Tracking & Management | |||
| Workspace | 1 | 3 | Unlimited |
| Members/Workspace | 2 | 5 | Unlimited |
| Custom Categories | 5 | 30 | Unlimited |
| Savings Goals | 2 | 10 | Unlimited |
| Recurring Bills | 3 | 15 | Unlimited |
| Budget Tracker | |||
| Health Score | |||
| Multi-Currency | |||
| 🤖 AI & Automation | |||
| Chat Assistant | 3 days trial* | 15 days/mo | 30 days/mo |
| AI Advisor | 3x trial* | 10x/mo | 30x/mo |
| Receipt Scan (OCR) | 15x/mo | 100x/mo | |
| Forecast | 30 days | 60 days + AI | 90 days + AI |
| AI Financial Forecast | |||
| Smart Alerts (WhatsApp) | |||
| 📄 Reports & Export | |||
| Export Report (PDF/Excel) | |||
| Shared Report Links | 3 | Unlimited | |
* Chat Assistant & AI Advisor trial is one-time in the first month only — does not reset monthly.
What You CAN & CANNOT Do
Full transparency about the capabilities and limitations of each Exflo feature.
| Feature | CAN Do | CANNOT Do |
|---|---|---|
| Chat Bot (WA & Telegram) | Record transactions via chat, OTP linking, auto notifications | Not a general AI chatbot, no 2-way chat, for recording only |
| AI Advisor | Cashflow analysis, savings tips, spending pattern detection | Not a licensed financial advisor, not investment advice |
| Forecast | 30/60/90-day balance prediction based on historical data | Not stock/market prediction, no accuracy guarantee |
| Debt Tracking | Record debts/receivables, 2-way claims, track installments real-time | Not a collection agency, no auto-collection, not a billing service |
| Reports | Export PDF/Excel/CSV, monthly summary reports, shared links | Not official tax reports, not certified audit reports |
Frequently Asked Questions
Is Exflo free to use?
Yes! Exflo offers a free Basic plan with core features including transaction tracking, 1 workspace, and limited AI Advisor. Upgrade to Plus or Pro for premium features.
How does the WhatsApp bot work?
Simply send a message to the Exflo WhatsApp bot, e.g. 'lunch $15'. The AI will automatically categorize and record your transaction into the cashbook.
Can I track debts and receivables?
Yes! Exflo features two-way Debt Tracking. Record debts/receivables, send claims to other users, and track installment payments in real-time.
Does Exflo support multiple currencies?
Yes, Exflo supports multiple currencies worldwide. Each workspace can have its own currency.
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