Nomad Flow
LiveYour money, across borders.
A privacy-first financial operating system for life across countries and currencies. Accounts in any currency, one net worth, budgets, forecasts and insights.
Nomad Flow is a privacy-first financial operating system for people whose money does not live in one country, one bank or one currency. It gives one clear picture across countries, currencies, accounts and crypto — and it is more than an expense tracker.
How Nomad Flow works
- Add your accounts. Local cash, a Thai bank, Wise in euros, USDT, a USD savings account. Each keeps its own currency, country and balance. You choose a reporting currency for totals; nothing is forced into it.
- Record or import. Type "Taxi 420 THB yesterday" in Money Chat, add a transfer with what was sent and what arrived, or import your ZenMoney or CSV history. You review every draft before it is saved.
- See it, plan it, ask it. Net Worth, cash flow and runway on Today. Budgets, a deterministic forecast, scenarios, and answers to questions like "How long will my money last?"
What is inside
| Capability | Details |
|---|---|
| Accounts in any currency | Cash, local and foreign banks, cards, savings, crypto and loans — each holds its own currency. |
| One Net Worth | Everything you include counts, with liabilities subtracted. You decide what counts. |
| Money Chat | Record entries and ask about net worth, runway, income, budgets and spending. |
| Budget both sides | Plan income as well as spending, by category and month, planned against actual. |
| Forecast your runway | A transparent projection from Net Worth with the assumptions shown. |
| Scenarios | Lose an income, move somewhere cheaper, make a big purchase — without touching your ledger. |
| Transfers that stay true | Record what you sent, what arrived and the fee. Real amounts are never replaced by a rate. |
| Countries and currencies | Spending by country and exposure by currency, with debt kept separate from assets. |
| Import and export | ZenMoney or CSV in; complete JSON or CSV out. |
Money Chat records and explains
- Fix the account, category, date or amount directly on the draft; no starting over.
- Cross-currency transfers keep both legs: what you sent and what actually arrived.
- Answers come from deterministic calculations on your own ledger, in your browser.
Real transfers, honest numbers
Native amounts never change. Converted totals use current reference rates, so switching reporting currency recomputes numbers instead of rewriting your ledger. Your current country and city only suggest defaults.
Who it is for
Long-term nomads, remote workers and anyone whose financial life spans countries, currencies and routines — rent, subscriptions, transfers between accounts and income from several sources, in one picture.
Is it only an expense tracker?
No. Expenses are one part. Net Worth, runway, budgets for income and spending, scenarios and transfers are all first-class.
Can I leave with my data?
Yes. You can export your complete data as JSON or CSV whenever you want.
Highlights
- Accounts in any currency, one Net Worth
- Money Chat that proposes — you confirm every write
- Budgets for income and spending with a transparent forecast
- Scenarios that never touch your ledger
- End-to-end encrypted synced ledger
- Import ZenMoney or CSV, export JSON or CSV
From the blog
More about Nomad Flow
- Money, made clearer: Brokeli, CoinFaro and Nomad FlowThree Spicanet products for three money questions: which broker to trust, how risky a crypto project is and where your money is across borders.October 5, 2026 · 2 min read
- Nomad Flow: keeping one picture of money across bordersWhy a nomad's finances need more than an expense tracker, and how Nomad Flow keeps each currency real while still giving you one net worth.September 14, 2026 · 1 min read
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