Question 1

What is FloFolio?

Accepted Answer

FloFolio is a 'Financial Flight Simulator' designed for systems thinkers. Unlike traditional budgeting apps that only track past transactions, FloFolio helps you model your financial future, visualize capital flows, and manage assets across multiple domains like personal life, business, and real estate.

Question 2

How do I project my net worth?

Accepted Answer

FloFolio uses a deterministic projection engine. By entering your current assets, liabilities, and recurring monthly flows (income, expenses, investments), the app calculates your future financial state month-by-month, accounting for compound growth on assets and amortization on loans.

Question 3

Does it have a loan payoff calculator with amortization?

Accepted Answer

Yes. When you track a liability in FloFolio, you can define its interest rate and monthly payment. The system automatically calculates the amortization schedule, showing you exactly when the loan will be paid off and how extra payments impact that date.

Question 4

Will I have enough money for retirement?

Accepted Answer

FloFolio's long-term projection view allows you to see your net worth trajectory 5, 10, or even 30 years into the future. By modeling your 'Financial Independence Number' and current savings rate, you can visualize if your current system leads to your retirement goals.

Question 5

Can I use it for monthly financial tracking?

Accepted Answer

Absolutely. FloFolio separates 'Flow' (monthly activity) from 'State' (Net Worth). You can track actual income and expenses against your planned flows to ensure you stay on the flight path.

Question 6

How does the Sankey diagram work?

Accepted Answer

FloFolio visualizes your entire financial system as a Sankey diagram. This shows the flow of capital from Income sources to Accounts, and then to Expenses or Investments, making it instantly obvious where every dollar is going and where inefficiencies lie.

Question 7

Is FloFolio free to use?

Accepted Answer

Yes, FloFolio offers a comprehensive free tier that allows you to track assets, liabilities, and model your financial flows.