Floww: Redefining Budgeting with AI
Floww is an AI-powered mobile app
designed to simplify personal finance
AI
Fintech
Mobile App
Role
Product Designer
Tools
Figma, Notion, Google Meet
Timeline
4 Weeks, 2025
Floww
Floww
The Gaps in today’s Budgeting Experience
Managing money isn’t just about numbers—it’s about habits, emotions, and the unpredictability of everyday life. Through research and conversations, we discovered a set of recurring struggles that make budgeting especially challenging for freelancers, gig workers, and young professionals.
As a freelancer, I’ve seen how messy and overwhelming money management can get. Especially when you’re juggling clients, side gigs, and unpredictable income. To understand if this was a problem, I spoke to a range of freelancers through a survey and conducted a competitive analysis of key players. This was where Floww’s journey truly began.
Unclear Money Management
Without personalized guidance, users feel uncertain about how to spend or save, which creates anxiety and poor financial habits.
Irregular & Salary-Centric Systems
Most budgeting apps are built for salaried workers, leaving freelancers with tools that can’t adapt to fluctuating incomes.
Low User Engagement
Budgeting often feels like a chore, apps struggle to keep users motivated, causing users to abandon the apps after a few weeks.
Cumbersome & Generic Tools
Manual logging and one-size-fits-all advice make financial tracking time-consuming, frustrating, and ultimately unhelpful.
Managing finances is difficult, for individuals with irregular incomes
Personal finance shouldn’t feel like a second job,
yet for many it does. Irregular incomes, too many finance tools, and budgeting fatigue leave people overwhelmed and unmotivated to stay on top of
their money.
Floww was designed to reimagine budgeting as something effortless, adaptive, and even engaging.
By combining AI-powered automation with goal-setting, smart insights, and a touch of gamification, Floww turns financial management into a supportive experience.
Income vs Expenses
Keep tracking to stay afloat
Red tide alert! Spending faster than earning!
200k
150k
100k
50k
10k
5k
0k
FEB
MAR
₦80,000
Income
Expenses
Income vs Expenses
Keep tracking to stay afloat
Red tide alert! Spending faster than earning!
200k
150k
100k
50k
10k
5k
0k
FEB
MAR
₦80,000
Income
Expenses
What freelancers say about
their Money Struggles
Freelancers struggle with unpredictable earnings, making it hard to plan, save, or stick to a budget consistently
Many still rely on spreadsheets, notes, or no system at all. Existing apps often feel too complex or unhelpful.
Users want a tool that tracks their income/expenses automatically, gives clear advice, and supports smart goal-based savings.
Some are motivated by rewards and streaks, while others want a calm, straightforward experience personalization is key
Understanding who we’re
designing Floww for
Freelancers often struggle with irregular incomes, multiple projects, and budgeting tools that don’t adapt. Many abandon apps because tracking feels tedious or confusing.
Floww solves this with AI-guided tracking, goal-based savings, and smart reminders that adapt to real-life income patterns.
Gamified features and automated insights keep users motivated while simplifying multi-income management, creating an intuitive, supportive experience that puts finances back under control.
Category-Based
Budget Insights
A dynamic summary card shows the total monthly budget, amount spent, and remaining funds with progress visuals for quick understanding. Spending is broken into intuitive categories like Essentials and Savings, each expandable to reveal detailed line items such as rent, groceries, or emergency contributions.
The minimal yet informative layout turns budgeting from a chore into a guided journey, reducing anxiety around unclear money management, helping freelancers stick to budgets despite irregular income, and encouraging consistent tracking habits.
AI-Assisted Budget Oversight
Users can track budgets, monitor income versus expenses, and stay on top of savings goals through clear charts and visual hierarchy.
The smart AI assistant, “Ask Flowi…,” encourages conversational engagement, while a smooth animated FAB provides quick access to actions like scanning receipts, adding transactions, or setting savings goals.
Conversational AI Assistant
Flowi is the friendly in-app financial assistant, designed to feel like a helpful companion rather than a complex tool. Users can ask how to create savings goals, track monthly expenses, or learn budgeting basics, and Flowi responds conversationally with clear, personalized advice.
This makes financial guidance intuitive and empowering, reduces the friction of managing irregular income, and encourages freelancers to engage consistently with their finances while building confidence and financial literacy.
Gamified Budgeting & Streaks
The Flow Tank at the top visually represents financial well-being, filling up with each active day, while the streak count celebrates how many days users have stayed engaged with their money goals.
The Badges section highlights milestones unlocked through actions like saving consistently, staying within budget, or learning via Flowi. This fosters positive habits, celebrates small wins, and makes money management feel like measurable progress, helping freelancers maintain consistent engagement and build long-term financial confidence.
Next Project
A desktop-first platform that helps film teams plan projects, manage tasks, and streamline film production
Film & Media
Project Management
Desktop SaaS App
Floww: Redefining Budgeting with AI
Floww is an AI-powered mobile app
designed to simplify personal finance
AI
Fintech
Mobile App
Role
Product Designer
Tools
Figma, Notion, Google Meet
Timeline
4 Weeks, 2025
Floww
Managing finances is difficult, for individuals with irregular incomes
Personal finance shouldn’t feel like a second job, yet for many it does. Irregular incomes, too many finance tools, and budgeting fatigue leave people overwhelmed and unmotivated to stay on top of their money.
Floww was designed to reimagine budgeting as something effortless, adaptive, and even engaging. By combining AI-powered automation with goal-setting, smart insights, and a touch of gamification, Floww turns financial management into a supportive experience.
Income vs Expenses
Keep tracking to stay afloat
Red tide alert! Spending faster than earning!
200k
150k
100k
50k
10k
5k
0k
FEB
MAR
₦80,000
Income
Expenses
The Gaps in today’s Budgeting Experience
Managing money isn’t just about numbers—it’s about habits, emotions, and the unpredictability of everyday life. Through research and conversations, we discovered a set of recurring struggles that make budgeting especially challenging for freelancers, gig workers, and young professionals.
As a freelancer, I’ve seen how messy and overwhelming money management can get. Especially when you’re juggling clients, side gigs, and unpredictable income. To understand if this was a problem, I spoke to a range of freelancers through a survey and conducted a competitive analysis of key players. This was where Floww’s journey truly began.
Unclear Money Management
Without personalized guidance, users feel uncertain about how to spend or save, which creates anxiety and poor financial habits.
Irregular & Salary-Centric Systems
Most budgeting apps are built for salaried workers, leaving freelancers with tools that can’t adapt to fluctuating incomes.
Low User Engagement
Budgeting often feels like a chore, apps struggle to keep users motivated, causing users to abandon the apps after a few weeks.
Cumbersome & Generic Tools
Manual logging and one-size-fits-all advice make financial tracking time-consuming, frustrating, and ultimately unhelpful.
What freelancers say about
their Money Struggles
Freelancers struggle with unpredictable earnings, making it hard to plan, save, or stick to a budget consistently
Many still rely on spreadsheets, notes, or no system at all. Existing apps often feel too complex or unhelpful.
Users want a tool that tracks their income/expenses automatically, gives clear advice, and supports smart goal-based savings.
Some are motivated by rewards and streaks, while others want a calm, straightforward experience personalization is key
Understanding who we’re
designing Floww for
Freelancers often struggle with irregular incomes, multiple projects, and budgeting tools that don’t adapt. Many abandon apps because tracking feels tedious or confusing.
Floww solves this with AI-guided tracking, goal-based savings, and smart reminders that adapt to real-life income patterns.
Gamified features and automated insights keep users motivated while simplifying multi-income management, creating an intuitive, supportive experience that puts finances back under control.
AI-Assisted Budget Oversight
Users can track budgets, monitor income versus expenses, and stay on top of savings goals through clear charts and visual hierarchy.
The smart AI assistant, “Ask Flowi…,” encourages conversational engagement, while a smooth animated FAB provides quick access to actions like scanning receipts, adding transactions, or setting savings goals.
Category-Based
Budget Insights
A dynamic summary card shows the total monthly budget, amount spent, and remaining funds with progress visuals for quick understanding. Spending is broken into intuitive categories like Essentials and Savings, each expandable to reveal detailed line items such as rent, groceries, or emergency contributions.
The minimal yet informative layout turns budgeting from a chore into a guided journey, reducing anxiety around unclear money management, helping freelancers stick to budgets despite irregular income, and encouraging consistent tracking habits.
Conversational AI Assistant
Flowi is the friendly in-app financial assistant, designed to feel like a helpful companion rather than a complex tool. Users can ask how to create savings goals, track monthly expenses, or learn budgeting basics, and Flowi responds conversationally with clear, personalized advice.
This makes financial guidance intuitive and empowering, reduces the friction of managing irregular income, and encourages freelancers to engage consistently with their finances while building confidence and financial literacy.
Gamified Budgeting & Streaks
The Flow Tank at the top visually represents financial well-being, filling up with each active day, while the streak count celebrates how many days users have stayed engaged with their money goals.
The Badges section highlights milestones unlocked through actions like saving consistently, staying within budget, or learning via Flowi. This fosters positive habits, celebrates small wins, and makes money management feel like measurable progress, helping freelancers maintain consistent engagement and build long-term financial confidence.
Next Project
A desktop-first platform that helps film teams plan projects, manage tasks, and streamline film production
Film & Media
Project Management
Desktop SaaS App