Your Entire Financial Life,
One Visual Canvas
Flocks lets you drag, drop, and connect financial building blocks — then instantly simulate years of outcomes. No spreadsheets. No guesswork.
Financial Building Blocks
Every piece of your financial picture gets its own block. Connect them to model real-world money flow.
Income
Salary, freelance, side-hustles — model multiple income streams with raises and growth rates.
Expenses
Rent, groceries, subscriptions — categorize spending and track against your budget.
Real Estate
Properties with mortgage amortization, appreciation, rental income, and tax deductions.
Vehicles
Auto loans, depreciation, insurance — full cost-of-ownership modeling.
Brokerage
Investment accounts with expected returns, contributions, and capital gains tracking.
Savings
Emergency funds, CDs, high-yield accounts — compound interest over time.
Credit & Debt
Credit cards, student loans, personal loans — payoff strategies and interest costs.
Tax
Federal and state brackets, FICA, capital gains, property tax — see your real take-home.
Transfers
Move money between blocks — automate 401(k) contributions, debt payments, and more.
Goals
Set milestones — retirement target, debt payoff date, savings goal — and track progress.
Built for Real Financial Planning
More than a calculator. Flocks is a simulation engine that models your financial future with precision.
Visual Flow Canvas
Drag and drop financial blocks onto an interactive canvas. Connect them with flows to model how money moves through your life.
Time-Based Snapshots
Step through your financial future year by year. See how decisions today compound over 5, 10, or 30 years.
Detailed Reports & Charts
Generate comprehensive reports: net worth, income vs expenses, debt payoff timelines, tax summaries, goal tracking, and more.
PDF Export
Export your full financial report as a professional PDF — perfect for financial advisors, partners, or your own records.
Real-Time Collaboration
Share scenarios with up to 3 collaborators. Work together with viewer or editor roles and conflict-free locking.
Templates & Scenarios
Start from curated templates — first home purchase, retirement planning, debt snowball — or create your own.
Ready to See Your Financial Future?
Start building your first scenario in seconds — no account required for the free tier.
Open Flocks →