Own your money,one dashboard at a time
See exactly what's due, what's left, and how to get ahead. No bank downloads, no spreadsheets; just clarity in minutes.
Month-by-month clarity
See this month’s income, spend, and net cashflow instantly.
No bank links needed
Fast capture with recurring items so setup takes minutes.
Actionable insights
Spot debt risk and savings progress at a glance.
Powerful tools for financial momentum
Tools built for financial inclusion
Whether you earn formal, gig, or hybrid income—we give you clarity, confidence, and practical next steps for your money.
360° Cash Flow
Track income, expenses, and side hustles with South African categories and instant visual insights.
Debt Payoff Playbooks
Map your vehicle finance, credit cards, and personal loans into payoff strategies that actually stick.
Purposeful Savings
Set goals for stokvels, emergency funds, or home deposits and see real progress month after month.
Bank-Level Security
Your financial data stays encrypted, POPIA-ready, and never sold to third parties.
Smart Reminders
Stay ahead of debit orders and renewals with gentle nudges before money leaves your account.
Professional Reports
Export PDF and Excel reports for your accountant, advisors, or business partners in seconds.
How CapFlow Works
Set up in minutes, stay in control forever
Three simple steps: capture, get clarity, take action. No bank links, no fuss; just your numbers, organised.
Capture and categorise
Add your income, expenses, debts, and savings in a few clicks. We keep everything in local categories that make sense for South Africans.
Get instant clarity
See a live cash flow view, upcoming debit orders, and debt payoff timelines. Every Rand is tracked with bank-grade accuracy.
Act with confidence
Receive tailored savings and debt reduction suggestions. Export PDF or Excel reports with one click for tax, accountants, or stokvel partners.
South Africans winning with CapFlow
From nurses to township entrepreneurs—our customers are taking control of their money and building generational momentum.
"CapFlow helped me see every debit order and side hustle rand in one view. Within three months I paid off my credit card and started saving for my daughter’s school fees."
Thandi M.
Nurse & single mom, Pretoria
"As a freelance developer with irregular income, budgeting was chaos. CapFlow’s cash-flow projections finally gave me the confidence to invest and build an emergency fund."
Sipho L.
Independent contractor, Johannesburg
"I run a small hair studio. CapFlow replaced the spreadsheets and shows me exactly which services drive profit. My accountant loves the PDF reports too."
Kabelo D.
Salon owner, Soweto
Affordable, transparent, all-in
One simple plan with every feature included. Built for South Africans who want clarity without the spreadsheet bloat.
No lock-ins • Cancel anytime
Bank-grade clarity, for everyone
We’ve designed every pixel to give you the same professional experience used by leading banks, right in your pocket.
Total Income
R27,700
Total Expenses
R18,200
Net Cashflow
R9,500
All-time Debt
R2.1M
Cashflow Trends
Last 6 Months Analysis
Category Split
Savings Milestone
Emergency Fund
Questions
Answers before you even ask
Everything you need to know to get started with CapFlow and stay compliant, secure, and in control.
Who is CapFlow built for?
CapFlow is designed for South Africans managing household finances, side hustles, or small businesses who need a single, clear view of their money. If you earn in Rands, we’re for you.
Do I need to link my bank account?
No. We do not link to banks. You capture income, expenses, debts, and savings manually, with recurring items to save time.
Can I cancel anytime?
Yes. There are no lock-ins or hidden fees. Cancel from your dashboard whenever you want; your data remains exportable.
Is my data POPIA compliant?
Absolutely. We store data in South Africa, encrypt at rest and in transit, and follow strict access controls aligned with POPIA requirements.
Does CapFlow work for stokvels or group savings?
Yes. Create shared goals, track contributions, and export reports for your members. We’ve optimised categories specifically for stokvels and community finance.