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About Worth Flow

A free personal finance 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.

It is not financial advice. 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 - developer, India. 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

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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.