Expense & Cashbook
Track income & expenses with smart categorization. View daily, weekly, and monthly cashflow trends.
All the Tools You Need
Ditch the confusing spreadsheets. Exflo brings tracking, AI, and collaboration into one place.
Track income & expenses with smart categorization. View daily, weekly, and monthly cashflow trends.
Schedule routine bills like utilities and subscriptions. Pause & resume anytime.
Manage finances across currencies worldwide. Perfect for international transactions.
Get smart insights into your financial health. Discover spending leaks in an instant.
Predict your balance 30/60/90 days ahead using AI. Know when your funds might run out.
Know your financial wellness at a glance. Analyze stability, savings ratio, and debt levels.
Log expenses just by chatting with our bot. AI categorizes it automatically.
Create Workspaces with your partner or team. Transactions sync in real-time.
Export reports to PDF/Excel. Create shareable public report links for anyone.
3 Simple Steps
Chat the Exflo WhatsApp bot. E.g.: 'lunch $15'
AI categorizes and saves your transaction instantly.
Open Exflo to see summaries, forecasts, and AI advice.
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.
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.
Yes! Exflo features two-way Debt Tracking. Record debts/receivables, send claims to other users, and track installment payments in real-time.
Yes, Exflo supports multiple currencies worldwide. Each workspace can have its own currency.
Choose the plan that best fits your needs.
Free forever. Start tracking your personal finances with no time limit.
For families & small businesses. WhatsApp Assistant, AI Advice, and auto receipt scanning.
Full access for power users. Unlimited AI, automatic WhatsApp Smart Alerts, and 90-day forecast.
International payments (USD) are processed by Paddle.com Market Limited as the Merchant of Record.
Domestic payments (IDR) are processed by Midtrans (PT Midtrans).
| 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 | |||
| WhatsApp Assistant | 15 days/mo | 30 days/mo | |
| AI Advisor | 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 | |
Full transparency about the capabilities and limitations of each Exflo feature.
| Feature | CAN Do | CANNOT Do |
|---|---|---|
| WhatsApp Bot | 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 |