Flusso: a money dashboard, end to end

Flusso is a money dashboard for people whose income arrives irregularly, in several currencies, from clients, platforms and subscribers. It's my own product: I designed and built it end to end, and it's live as a public demo with example data.

Budgeting apps assume a salary. With variable income the real question isn't where the money went, but how much you can spend today without running short in a quiet month or when a tax advance comes due.

Everything: research, product strategy, information architecture, UX/UI, the visual system and the build in PHP and JavaScript, including open banking, the forecasts and a connector for Claude and ChatGPT.

Flusso started as my own dashboard for my own variable income, opened every morning. Daily use shaped the model more than any brief. One example: in the current month, the number I wanted to type wasn't the month's total but what was still to come, so the plan works that way: what's recorded so far plus what's still to come.

To turn the tool into a product I wrote down the person it's for as a stated hypothesis, not a verified customer: a digital nomad with passive and freelance income, cards in several currencies, and miles and points. Five principles followed, starting with "the answer to how much can I spend comes first, in seconds, from the phone".

Transactions arrive from the bank through open banking. The few the app can't place go into a short queue, sorted by merchant: one choice assigns them all and becomes a rule, so the queue stays short next month.

The Overview opens on what you can spend today: the lowest point of the next twelve months, minus locked goals and the emergency fund. Only income you can count on counts in full; half-certain income counts half. The calculation sits right below the number, so it never feels like a black box.

Every income and expense is drawn as a line into or out of your accounts: solid lines count in full, half-dashed count half, dashed are uncertain and hollow ones happen once, so a forecast never looks surer than it is.

Design around a person and a month: an invented digital nomad, Alex, followed for thirty-one days, with every screen answering one of Alex's questions.

Four visual directions mocked up side by side, one chosen; the brand kept, the interface refined rather than restyled.

AI that asks before changing: the connector reads everything but makes only a few targeted changes, each one undoable.

Touch first, checked: one interface for phone and desktop, touch targets of at least 44 points, and automated WCAG 2.1 AA checks with no violations.

A public demo with example data is open at flussodash.com, with an early-access waiting list. No customers or adoption figures yet, so none are claimed here.