Bridging the gap in financial inclusion
We believe every South African deserves professional tools to manage their wealth, regardless of their income source or background.
The CapFlow Story
CapFlow was born out of a simple observation: South African households are managing complex financial lives with outdated tools. From stokvels to side hustles, our economy is dynamic, yet budgeting apps remained rigid and focused on overseas markets.
We built CapFlow to be different. A platform that respects privacy by avoiding invasive bank links, uses local categories that make sense for our people, and provides bank-grade analytics that anyone can use.
Our Goal
Empower 100,000 households by the end of 2026.
Our Commitment
100% POPIA compliant and privacy-first.
Our Focus
Speed, clarity, and actionable insights.
Built for South Africans, by South Africans
We're headquartered in Johannesburg and deeply committed to the growth of our local economy. CapFlow isn't just software, it's a movement towards financial sovereignty.