Find quick answers to your questions and discover how to make the most of StashFlow. We're here to help you!
First steps, CSV import, reading the dashboard, understanding the timeline and Safe to spend
Where to find CSV, supported formats, frequent import issues
Balance curve, expenses, categories, fixed charges - everything explained simply
How balance is recalculated, fixed charges detection, forecast - total transparency
Wrong amounts, shifted dates, file rejected - quick solutions to your problems
Local storage, encryption, GDPR, privacy-first - your data belongs to you
Forecast, Safe to spend, goals, categories, alerts - explore all possibilities
Free vs Pro, upgrade to Pro, cancel, billing - all info about your account
A question? A problem? Contact us directly, we'll reply quickly
Welcome! We'll explain how to get started with StashFlow to analyze your finances effectively.
The first step to using StashFlow is importing your bank data.
The dashboard displays several important elements to understand your financial situation:
StashFlow automatically reconstructs your balance history from the current balance you enter. Going back in time, day by day, the app calculates your previous balance by subtracting (for credits) or adding (for debits) transactions. It's like rewinding your bank account!
Safe to spend is an estimate of what you can safely spend without risking overdraft. This value is calculated by taking into account your scheduled fixed charges, recurring income, and leaving a safety margin. It's an indicator to help you manage your daily budget.
💡 Safe to spend is an estimate based on your data. It doesn't replace your personal vigilance, but it's a good guide to avoid bad surprises.
We explain how to find and import your CSV files from your bank to StashFlow.
Each bank has its own interface, but most offer CSV export in transaction history.
📖 Bank-specific detailed guide →StashFlow accepts several CSV file formats to adapt to your bank:
First check that your file contains the Date and Label columns. Some banks use different column names. You can open the file with a text editor to check its content.
StashFlow automatically detects the date format (DD/MM/YYYY or YYYY-MM-DD). If dates are incorrect, check the format in your CSV file.
Make sure you have exported all transactions for the desired period from your banking space. Some banks limit exports to certain periods.
🔒 Your data stays on your device
When you import a CSV into StashFlow, all data is processed locally in your browser. No information is sent to our servers. You keep complete control of your financial data.
StashFlow charts help you visualize your finances. We explain how to interpret them.
The main curve shows the evolution of your bank balance over time. You can click on any point to see day details (transactions, exact balance). The colored bars below represent your transactions: green for credits (money coming in), red for debits (money going out).
In the General Analysis tab, you can see the total of your expenses by label. Click on a label to highlight it on the main chart. This allows you to see the impact of certain expenses on your overall balance.
Categories allow you to group similar transactions. For example, all your supermarket payments can be grouped into a "Food" category. This facilitates analysis and gives you an overview of your expenses by type.
Fixed charges are recurring expenses detected automatically (rent, subscriptions, regular bills). They appear in the dedicated tab with their estimated frequency and average amount. You can validate them to include them in your projections.
StashFlow is transparent about its calculations. We explain how everything works so you can have confidence in the results.
When you enter your current balance, StashFlow goes back in time day by day. For each day, it calculates the previous day's balance by doing: previous_balance = current_balance - credits + debits. It's a reverse calculation: we start from the end and go back to the past.
Exemple :
If today you have €1000 and yesterday you received €200 (credit), then your balance from the day before yesterday was €1000 - €200 = €800. We continue day by day until the start of your transactions.
Our algorithm analyzes your transactions from the last 45 days to identify recurring expenses. It looks for:
The forecast takes your current balance and adds/subtracts validated fixed charges at scheduled dates. If you have configured a monthly salary, it is also taken into account. Future variable expenses are not included because they are unpredictable.
⚠️ The forecast is an estimate based on your fixed charges. It cannot predict unexpected expenses or exceptional income. Use it as a guide, not as absolute truth.
Sometimes, the balance calculated by StashFlow may differ slightly from the balance displayed by your bank. Here are the possible reasons:
Encountering a problem? We've listed the most common issues and their solutions.
First check that your current balance is correctly entered and matches your bank. If amounts are systematically shifted, there may be a problem with the interpretation of Debit/Credit columns. Some banks reverse these columns.
💡 Solution : Open your CSV file and check which column corresponds to debits and credits. You can also try swapping these columns in a spreadsheet and then reimporting.
StashFlow automatically detects the date format, but some exotic formats can cause problems. Check that your dates are in DD/MM/YYYY or YYYY-MM-DD format.
Make sure your file contains the Date and Label columns. Some banks add multiple headers or use non-standard column names.
💡 Solution : If possible, simplify your CSV by keeping only the Date, Label, Debit, Credit (or Amount) columns.
This can happen if some transactions were not exported from your bank, or if they have a particular format that StashFlow cannot parse.
💡 Solution : Check in your banking space that all transactions are present in the export. If some transactions are still missing, contact us with an example.
Protecting your data is our priority. We explain how StashFlow handles your information.
All your data (transactions, balances, fixed charges) is stored locally in your browser, in localStorage. This means it stays on your device and is never sent to our servers. If you change browsers or clear browser data, your StashFlow data will be lost (but you can always reimport your CSV).
Although data is stored locally, browser localStorage is not encrypted by default. However, no one else has access to it as long as no one else uses your computer. For more security, use a browser in private mode or a separate user profile.
StashFlow does not sell, rent, or share any data. It's simple: your data never leaves your device, so we can't sell it even if we wanted to (and we don't want to).
StashFlow complies with GDPR (General Data Protection Regulation). Since all data is processed locally, no personal data is collected or transferred. You keep complete control.
🛡️ Privacy-first philosophy
We believe your financial data belongs to you. That's why StashFlow works entirely locally. No account to create, no connection needed, no tracking. Just a tool that helps you better understand your finances without compromising your privacy.
Discover all StashFlow features to get the most out of the tool.
Visualize the future evolution of your balance over 3 months based on your validated fixed charges. Ideal for anticipating difficult periods.
Estimate what you can safely spend without risking overdraft. Calculated in real time based on your upcoming fixed charges.
Set savings goals and track your progress. StashFlow shows you if you're on track to reach your goals.
Group your transactions by categories for finer analysis. Create your own categories or use the default ones.
Configure alerts to be notified when your balance drops below a certain threshold or when an important fixed charge approaches.
Validate your detected fixed charges and track them over time. You can see their evolution and impact on your budget.
StashFlow is free and will always remain so. But we're also preparing a Pro version with advanced features for those who want to go further.
For now, StashFlow Pro is not yet available, but we're working on it! When it's ready, you'll be able to upgrade to Pro directly from the app. The subscription will be monthly or annual, with a free trial period.
You'll be able to cancel your Pro subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. Your data will remain accessible until the end of this period.
Billing will be monthly or annual depending on the option chosen. Payments will be made by credit card securely. You'll receive a receipt by email with each billing. For any questions about billing, contact us via the contact form.
Have a specific question or a problem you can't solve? Contact us directly via this form, we'll reply as soon as possible.