See today.
Plan tomorrow.

A web application for phones, tablets, laptops and desktop PCs. Open DoughFlow in your browser and log in to get started.

From overview to detail

Open an account to see dates, payees, categories, credits, debits and running balances. Notes, flags and reconciliation status help you keep the record useful.

Daily tools, close at hand

Quick Transaction, Account Transfer, Reconciliation, Documents, Report, Audit and Excel export are available from the ledger. Description Search, Category Search and column filters help find individual entries.

A comfortable closing balance can still hide a tight week. Look at the path as well as the total.

Turn regular bills into a forward plan

Schedules cover income, bills and transfers, with next dates, amounts, categories and recurrence. Weekly, monthly and two-monthly examples appear in the demonstration account.

Follow the balance between payment dates

Cash Flow combines dated transactions and schedules in a running balance. Choose an account and end date, inspect the closing total and export the detail to Excel.

Set it up once. Review it regularly.

Schedules also include indefinite recurrence, transactions remaining, completion, transfer destinations, notes and annual-increase fields.

Make the patterns visible, then use the detail to decide what deserves attention.

A change worth noticing

In the example account, groceries rose from £2,580 to £3,300 for January to October: £720 more, or 27.9%. Clear comparisons give you a starting point for the next budget.

Keep reading: graphs, documents, reminders, tax and invoicing. The category chart compares the displayed years. Spending Stats provides the explicit same-period comparison. All screenshots and figures use the test/example account reviewed on 12 October 2026.

A few regular steps keep the overview, forecast and spending analysis useful.

1. Organise accounts and categories

Use Settings > Accounts, Category and Sub Category to organise the financial records around your household.

2. Record day-to-day activity

Open an account ledger and use Quick Transaction or New. Keep dates, amounts and categories consistent so your reports remain useful.

3. Add recurring commitments

Use Manage > Schedule for regular income, bills and planned transfers. Review the next date and frequency against your expected payment pattern.

4. Check the next few weeks

Review the dashboard and Manage > Cash Flow. Choose an end date and look at the balance between payment dates, as well as the closing total.

5. Review and refine

Use Reconciliation to review account records, then Spending Stats to understand changes and inform future spending decisions.

Additional organisation tools

Documents, To-Do and Tax Report are explored in the illustrated sections later in this guide. Invoicing is covered at the end of this guide; the Manage menu also provides Contacts.

Review scope: dashboard and graphs, ledger, schedules, cash flow, Spending Stats, Documents, To-Do, Tax Report and the invoice form. Transaction-side document viewing is described by the application creator. Other menu areas are listed without a full workflow review.

Select Show More... on the home page to reveal the forecast table and graphs.

The starting point

Account balances, pending schedules and transactions needing attention stay together at the top of the dashboard. The screenshots in this guide show the supplied test/example account.

Average future monthly cash-flow forecast: average credits and debits, next dates, next amounts and last amounts paid. The example shows £1,525.00 income and £1,331.38 outgoings: an average monthly surplus of £193.62 over its stated forecast period.

Compare the monthly picture with the scheduled outlook.

Current-year Expense/Income

The 2026 chart shows monthly results above or below zero. It helps identify stronger months and periods where expenses exceed income.

Next 12 Months Scheduled Expense/Income

The forward-looking chart shows the month-by-month scheduled outlook, with a displayed total. Use it to see when upcoming commitments may create a shortfall.

Previous-year Expense/Income provides a historical monthly comparison. Last 12 Months Expenses combines coloured columns with a line, making changes and peaks across the displayed months visible. Check the displayed dates when interpreting each graph.

Review past outcomes alongside next-year expectations.

Profit/Loss by year

Annual bars compare the net results shown for 2020 through 2026. Positive and negative years are easy to distinguish, highlighting how the overall financial position has varied.

Next-year Projection - Profit/Loss

The 2027 projection breaks the next year into monthly results and displays a projected total of £2,077.56 in this example. Months below zero are useful prompts to review scheduled income and bills.

Read forecasts alongside the ledger

A projection reflects the records and schedules held in DoughFlow. Review amounts, dates and recurrence when plans change, then use the detailed cash-flow screen to inspect individual movements.

Compare spending categories and follow the overall balance history.

Year-to-date Spending By Category

The dashboard compares 2026 YTD with 2025, 2024 and 2023 across categories such as food, car, bills, holidays and insurance. Grouped bars make large categories and differences between the displayed years visible.

Running Total Balance

Select Show Running Balance Chart to reveal the balance-history chart. Bars are coloured by year, with value labels at selected points, helping show growth, declines and recovery over time.

Use the detailed spending report too

Spending Stats explicitly compares a selected period with the same period last year. Use that report when you want a like-for-like comparison with monetary and percentage changes.

Open the weekly chart to see shorter-term patterns across the last 52 weeks.

Weekly Transactions - Last 52 Weeks

Select Show Weekly Transactions Chart beneath Weekly Spending & Income. The graph uses weekly date labels and a legend for Monday through Sunday plus Income.

Look for unusual weeks

The chart helps draw attention to weeks with larger movements and recurring income patterns. Use the ledger and transaction reports to investigate the underlying entries.

All expanded dashboard views included

This illustrated section covers the average monthly forecast table and all nine graphs: current-year and previous-year Expense/Income, next 12 months scheduled outlook, last 12 months expenses, annual Profit/Loss, next-year projection, category comparison, running total balance and weekly transactions.

Screenshots captured on 12 October 2026 from the DoughFlow test/example account. Titles and figures reflect the application at the time of capture.

Upload bills, receipts and invoices, then link them to the relevant transaction.

Upload and organise

Open Documents from the dashboard or Manage menu. Choose a file and category, optionally select Link to Transaction, then Upload. The visible categories include Bills, Invoices, Receipts and Report; the example list contains PDF and JPEG files.

Keep the evidence connected

The document list shows file name, category, linked transaction, account, type, size and upload details. Existing examples include an invoice linked to rent income and a receipt linked to a petrol payment. Files can also be stored without a transaction link.

Open the paperwork when it matters

Filename links and Download controls provide access to stored files. As described by DoughFlow’s creator, attached documents can also be opened and viewed from the linked transaction, keeping the payment and its supporting paperwork together.

Example: a household insurance bill

Store the bill under Bills, link it to the insurance payment and retain the paperwork alongside the record. Later, open the linked document when reviewing the payment or checking renewal details.

Keep renewals, checks and financial tasks visible on a simple board.

Three stages, one clear overview

The Kanban To-Do List groups cards into To Do, In Progress and Done, with a count in each column. The example board contains car insurance renewal, a car MOT and house insurance renewal.

Give every task useful detail

Add New Card opens fields for title, description, status, priority, due date, assigned person and comma-separated tags. Cards show priority and date badges, so the main details can be read at a glance.

A reminder board beside your finances

The dashboard’s To-Do button displays a count and opens the board. Use it as a place to review upcoming household work alongside scheduled bills. Email or push notifications were not demonstrated in this review.

Bring the included income and expenses into a tax-year summary.

Select the year and calculate

Open Reports > Tax Report, choose Tax Year and select Calculate Tax Report. The example year 2026 produces a report for 6 April 2026 to 5 April 2027.

See the calculation clearly

The summary displays Total Income (Credits), Total Expenses (Debits), Taxable Profit, Tax Rate, Estimated Tax Liability and Net Profit (After Tax). The example applies a displayed 40% rate to £1,740 of profit, showing £696 estimated tax and £1,044 after tax.

Inspect the supporting transactions

The detail grid lists date, description, income, expenses, net amount, category and source/type, with totals, search, filters and Export to XLSX. This lets you inspect the entries behind the summary.

An estimate for planning

These are the application’s displayed calculations for the example data and rate. The review does not verify tax treatment, applicable rates, allowances or eligibility of expenses. The guide presents the feature as a potential-tax estimate.

Use forecasts, documents and reminders together for a more complete financial record.

Include scheduled cash flow

The Include CashFlow checkbox adds cash-flow schedule items to the selected tax-year report. Recalculate after changing the option; the summary explicitly indicates when schedules are included.

A practical insurance-renewal routine

Add a reminder to compare cover before renewal. Review the expected payment in Schedule and Cash Flow. When paid, record the transaction and upload the bill or policy paperwork with its transaction link. Keep the task status up to date.

A practical tax-review routine

Check the income and expense entries included in Tax Report, open linked supporting documents where needed, then compare the transaction-only estimate with the schedule-inclusive outlook. Export the detail for further review.

Prepare an invoice to download and send, with a copy retained alongside your financial records.

Choose the recipient and details

Open Manage > Invoicing. Select Contact is required: the form states that invoices can only be created for existing contacts, and provides a Manage Contacts shortcut. Add an invoice description or itemised list, choose the Invoice Date and enter the Amount.

Link a transaction if one already exists

Link to Transaction is optional. The form offers unreconciled transactions, allowing an invoice to be connected to the relevant financial entry when appropriate.

Generate, download and send

Use Generate Invoice to create the PDF. DoughFlow’s creator confirms that this is a non-VAT invoice, downloadable for sending to the recipient, and that it is automatically saved to Documents.

Keep the invoice, the incoming payment and the supporting document connected.

Example: invoice a tenant for monthly rent

Select the tenant from existing contacts. Describe the unit and rental period, such as Unit rent - October 2026, for 1 October to 31 October. Choose the invoice date, enter £450 as the amount and generate the non-VAT PDF. The description above is an unsaved illustration.

Download the PDF and retain the copy

Download the generated invoice and send it to the tenant through your usual communication method. The automatically saved copy in Documents makes it easier to retrieve the same invoice later.

Keep the rental period clear

Include the property or unit and the dates covered by the rent. Choose the recipient, invoice date and amount carefully before generating the PDF.

The document copy connects the invoice to your financial records.

Link the invoice to the rent transaction

When recording the incoming rent, link the stored invoice to the matching transaction. The example document list already shows INV-00008_Unit_Rent_Income_.pdf linked to Unit Rent Income (+£450.00) in the Business account. If an unreconciled rent entry already exists, the optional invoice-form link provides an earlier point to connect it.

A complete rent record

Create the invoice, send the downloaded PDF, retain its saved copy and link it to the rent transaction. As described by the creator, the attached invoice can then be opened from the transaction when reviewing the payment.

18 / BANK TRANSACTION IMPORT

Bring your bank transactions into DoughFlow.

With Endute Connect, DoughFlow can connect to supported bank accounts and retrieve account and transaction information, helping you bring real-world spending into your household finance records without typing every transaction by hand.

A simple way to get started

1. Open Endute Connect and follow its steps to connect a supported bank account.
2. Allow the requested access through the bank connection flow, checking the permissions before you approve.
3. Use the DoughFlow bank-connection/import feature to retrieve transaction data, then review the imported entries in DoughFlow.

Learn more at endute.com/connect.

With a compatible AI assistant connected to DoughFlow, you can ask it to add income or spending in everyday language. It creates the transaction record for you, ready to review in your account.

What could you ask?

These are examples of instructions you could give an assistant; reading this page does not create any transactions.

Include the basics

Tell your assistant the amount, what the payment was for, the account, the date and the subcategory, if you know it. You can also add a note, such as “weekly shop”. Say whether the money was spent or received.

How it works

1. You describe the transaction. For example, explain what you spent and which account you used.
2. The assistant checks the details. It can look up your active accounts and subcategories, and should ask if an important detail is missing or unclear.
3. It sends the entry to DoughFlow. Once DoughFlow confirms the save, the assistant can tell you the transaction has been created.
4. You review it in your account. Check the amount, date, account and category, just as you would with a manually entered transaction.

A one-time connection is needed

The assistant needs permission to connect to DoughFlow through its API, using your private access key. Not every AI chat app can make this connection directly. For help setting up a compatible agent, contact doughflow@thisplanet.uk.

Keep your private access key secure and only give access to an assistant or service you trust. You do not need to understand the technical code to describe a transaction.