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
Choose your tier
Built for South Africans. Every tier includes a 30-day free trial. No lock-ins.
Clarity
- Unlimited expense tracking
- Debt monitoring & payoff tools
- Savings goals with reminders
- Monthly PDF financial reports
- Payment due notifications
- Secure POPIA compliant storage
- Mobile-friendly dashboard
- Priority email support
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
Answers before you even ask
Everything you need to know to get started with CapFlow and stay in control.