Guide complet pour utiliser StashFlow et analyser vos finances en toute simplicité
StashFlow est un outil gratuit et local qui vous permet d'analyser vos transactions bancaires pour identifier vos charges fixes, suivre votre épargne et obtenir des projections précises sur votre situation financière.
Principaux avantages :
💡 Conseil : Commencez par importer vos données bancaires, puis suivez les étapes dans l'ordre pour une analyse optimale.
The first step is to export your bank transactions from your online bank. Most banks allow exporting transactions in CSV format.
💡 Tip: Not sure how to export from your specific bank? Check out our step-by-step guides for BNP Paribas, Société Générale, Crédit Agricole, and many more!
StashFlow accepts CSV files with the following columns:
| Column | Description | Example |
|---|---|---|
| Date | Transaction date | 2024-01-15 or 15/01/2024 |
| Label | Transaction description | CARD PAYMENT SUPERMARKET |
| Debit | Outgoing amount (optional) | 45.50 |
| Credit | Incoming amount (optional) | 2500.00 |
Note: Some banks use a single "Amount" column with negative/positive values. StashFlow automatically detects the format.
Once your CSV file is ready, import it into StashFlow:
Click the "Choose file" button in the "Import CSV" section
Select a CSV file
Accepted formats: .csv, .tsv, .txt
Select your CSV file from your computer
Wait for the file to be analyzed (a few seconds)
Transactions are automatically displayed in the chart
⚠️ Important: If you encounter an error during import, check that your file contains the Date and Label columns. You can open the file with a text editor to check its content.
If you use PayPal regularly, you can directly import your PayPal transactions to integrate them into your analysis. This feature allows you to combine your traditional bank transactions with your PayPal transactions.
1. Log in to your PayPal account
Click on "Activity" in the navigation bar (highlighted in blue)
2. Go to "All reports"
Balance report
Detailed information on balances, transactions...
📄 Monthly statements and custom statements
Consolidated view of balances, payments, fees...
Select "Monthly statements and custom statements" or "Activity report"
3. Create a new activity report
You can create and download a detailed report of all your transactions for a period of up to 12 months over the past 7 years.
Options: All transactions, Completed payments, Balance impact
Options: Since last download, Today, Last 3 months, Last 6 months, or custom
⚠️ Important: Select "CSV" to be able to import it into StashFlow
4. Download your CSV report
| Report type | Request date | Period | Format | Action |
|---|---|---|---|---|
| All transactions | Dec 27, 2025 | Jun 1, 2025 - Nov 30, 2025 | CSV | |
| Balance impact | Dec 27, 2025 | Jan 1, 2025 - Dec 27, 2025 | CSV |
Click "Download" to save the CSV file to your computer. The file will be ready to import into StashFlow.
📝 Important note: Make sure to select the CSV format when creating the report. PDF, QuickBooks or Quicken formats are not compatible with import into StashFlow.
Click "Import from PayPal" in the interface
Select your PayPal CSV file
PayPal transactions will be automatically associated with your bank transactions
💡 Tip: The association between PayPal and bank transactions is done automatically by comparing dates and amounts. Unassociated transactions are displayed separately in the chart.
To reconstruct your balance history, StashFlow needs to know your current balance on the most recent day of your transactions. This balance serves as a starting point to go back in time and calculate past balances.
This balance will be used to reconstruct the history by going back in time.
💡 Important: Make sure that the entered balance corresponds to the day of the last transaction in your CSV file. If your transactions end on January 15th, enter the balance on January 15th, not the current balance.
The interactive chart is at the heart of StashFlow. It allows you to visualize the evolution of your balance over time and interact with your transactions.
Example of displayed data:
Click on a point in the chart to see the details of that day's transactions in the side panel.
Hover over a transaction bar in the stacked chart to see its label and amount.
Use the period filter to display the last 30, 60, 90 days or all data.
Enable the "Stack by label" option to group similar transactions and better visualize your spending habits.
Automatic fixed charge detection is one of StashFlow's most powerful features. The tool analyzes your transactions to identify recurring payments.
StashFlow uses algorithms to automatically detect potential fixed charges:
| Label | Average amount | Occurrences | Actions |
|---|---|---|---|
| RENT | 750.00 € | 12 | |
| PHONE SUBSCRIPTION | 24.99 € | 12 | |
| HOME INSURANCE | 45.50 € | 6 |
Click "Validate" to confirm that a charge is indeed fixed. It will then be used for projections and tracking.
Use the "Add a fixed charge" button to create a charge that would not have been automatically detected.
Generate a PDF report of all your validated fixed charges for your records or accounting.
Projections allow you to forecast the evolution of your balance over the next 3 months taking into account your validated fixed charges and your salary.
Projection: January - March 2025
Initial balance: 1,850.00 € • Salary: 2,500.00 €/month
Projection details:
January
Starting balance: 1,850.00 €
Salary: +2,500.00 € (1st)
Charges: -820.00 €
End balance: 3,530.00 €
February
Starting balance: 3,530.00 €
Salary: +2,500.00 € (1st)
Charges: -820.00 €
End balance: 5,210.00 €
The chart shows the forecasted evolution of your balance over 3 months taking into account your validated fixed charges and your salary. The green vertical lines represent salary payments, while the red dashed line shows the cumulative fixed charges.
💡 Tip: Projections are based on your validated fixed charges and assume that your spending behavior remains stable. Use them as an indicator, not as a guarantee.
Once your fixed charges are validated, you can track them on a dedicated page to mark each payment and track the evolution of your balance.
Click "View fixed charges tracking" in the "Fixed Charges" tab to access the dedicated tracking page.
When one of your fixed charges is paid, you can mark it:
A chart shows the evolution of your balance over time as you mark charges, allowing you to visualize the impact of each fixed charge on your account.
Configure your monthly salary and the day of the month you are paid to improve the accuracy of projections in tracking.
To mark your fixed charges quickly as soon as you make a payment, you can add the tracking page directly to your smartphone's home screen. This allows you to access it with a single click, without having to open the browser and enter the URL.
💡 Tip: Once the shortcut is created, you can mark your fixed charges in seconds! Simply open the app from the home screen, select the charge in question, enter the amount and your balance, then validate. That's it!
For accurate analysis, export your transactions regularly (every month or every quarter). The more data you have, the better the fixed charge detection will be.
Take the time to verify detected charges before validating them. Some transactions may be incorrectly detected as fixed charges (for example, regular purchases that are not actually fixed).
All your data stays on your computer. StashFlow does not communicate with any external servers. Your bank information never leaves your machine.
If you use multiple devices, you will need to export your data manually because StashFlow works locally. To share your data, you can export your validated fixed charges to PDF.
Projections are estimates based on your past data. They do not account for unexpected expenses or changes in behavior. Use them as a guide, not as an absolute guarantee.
Now that you know all of StashFlow's features, get started and analyze your finances with ease!