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About Worth Flow
A free personal finance planning & forecasting tool, built as a hobby project.
What is it?
Worth Flow lets you build a month-by-month financial plan, run "what if" scenarios on top of it, and
see how your cash balance, investments, fixed deposits, recurring deposits, and net worth may evolve
over time - all computed entirely in your browser.
Projections are estimates based on the numbers you provide.
Use it to explore possibilities and build intuition, not to make investment decisions.
Why was it built?
I built Worth Flow for my own use: I wanted a tool to model Indian investment instruments (FDs, RDs)
alongside equity investments and see cash flow month by month, without relying on spreadsheets.
It grew into a project I'm proud of, so I made it public.
Who built it?
Suteerth Subramaniam - SDE & CTO's Office, IDFC FIRST Bank.
Find me on GitHub
and LinkedIn.
The source code is open at github.com/iamsuteerth.
Tech stack
React 19
TypeScript
Vite 8
Mantine v9
Zustand
Recharts
AWS Cognito
Amazon S3
Terraform
Vercel
Google Gemini (BYOK)
Frequently asked questions
- Is Worth Flow free?
- Yes. There is no pricing, subscription, or charge of any kind.
- Does Worth Flow give financial advice?
- No. Projections are estimates based on the numbers you enter - not financial or investment advice.
- Where is my financial data stored?
- Calculations run in your browser. If you sign in and save, your plan is stored in a private cloud prefix only you can access. See the Privacy Policy and Security pages for details.
- Can I use it without an account?
- You can explore the tool in mock mode (local dev), but cloud saves require a free account.
- How do RD calculations work?
- Interest is compounded quarterly - the standard method used by Indian banks such as HDFC.
- Does Worth Flow use AI?
- Optionally. You can connect your own Google Gemini key to chat about your forecast - it's off by default, encrypted end-to-end in your browser, and grounded in the app's own simulation (never the model's own arithmetic). See the Privacy and Security pages.