oneFlowFREELANCER

A LITTLE LESS ADMIN. A LOT MORE CLARITY.

Your money.
Your life.
A clearer picture.

Home, work and everything in between.
Bring your money together with oneFlow.

Keep track of bills, banking, invoices and the things you own. See the bigger picture with the Visual Dashboard, follow Money in Motion, explore oneAI Stories or talk things through with oneFlow Advisor. Your accounts live in a database on your device.

Get started with oneFlow Explore the tutorials Look around first

Free to use · Installable web app · Optional AI with your own API key

YOUR EVERYDAY MONEY, CONNECTED REAL APP · DEMO DATA
Your Visual Dashboard. The bigger picture.Explore the views ↗
Meet your helpful extra pair of hands.
Type it. Say it. Ask oneAI.↗
Individuals & households Freelancers & contractors Local SQLite database Core records work offline

START WITH WHAT YOU WISH YOU KNEW

See what you could do.
Then learn how.

Where does the money go? What could cash look like next month? What does a small weekly cost add up to?

Explore 17 practical guides with real screenshots, useful oneAI prompts and walkthroughs for home accounts, credit cards, invoices, bills and reports.

Explore the tutorials

Try the demo. Follow the steps. Go at your own pace.

How great would it be to know…
oneFlow tutorial screenshot comparing fictional household income and spending in June and July 2026
Income. Spending. Cash flow.
A few very useful answers.Open the guides →

MADE FOR THE WAY LIFE ACTUALLY WORKS

01 / EVERYDAY LIFE

You don’t need a finance team.
Just a place to make sense of it.

A grocery shop and a client invoice can belong to the same day. oneFlow gives personal and work finances room to sit together, with categories and private or business use to keep the detail clear.

LESS GUESSING. MORE KNOWING.

See where your money goes.

Bring your everyday account, savings, card and loan into one view. Categorise spending, see what you own and owe, and keep a useful record of your belongings.

  • Track income, spending and transfers
  • Compare monthly income and spending
  • Keep a personal asset register
Find the answers in your reports ↗

REAL SCREENS. EVERYDAY STORIES.

02 / THE PRODUCT TOUR

See how the work gets done.

Pick a task and follow the steps. These are fresh captures of the actual app using its fictional demonstration accounts. AI responses and extracted examples are simulated for this tour.

FROM STATEMENT TO SORTED

Your credit card statement, without retyping every line.

Upload the statement, check extracted purchases and payments, then confirm the import into the right credit card account. AI helps with reading and categories. You review before importing.

Actual oneFlow credit card statement import review screen.
Statement review · fictional demo data

Explore at your own pace. No live financial actions.

Step 1 of 4

YOUR NUMBERS. A FEW NEW PERSPECTIVES.

03 / SEE YOUR MONEY

See the picture.
Find the story.

Explore your records in charts, follow your bank movements as they unfold, or ask oneAI for a personal letter. Three ways to understand the same everyday money.

01 / THE BIGGER PICTURE

Visual Dashboard

A clearer view of where you stand.

Bring income, spending, surplus and outstanding amounts into focus. Move through six views to explore balances and sources, spending patterns, performance, payment timing and income resilience.

  • Choose your period, currency, category group and private or business use
  • Expand a chart, compare trends and open the supporting reports
  • Swipe between views or explore in full screen

Figures and standard priorities calculated on your device. Optional AI can help order existing findings.

Explore all 22 reports ↗
Actual app · built-in demo data · select to enlarge

02 / FOLLOW THE FLOW

Money in Motion

Watch the movements add up.

Play your recorded bank activity as an animated receipt. Follow money in and money out, with the date, account, category and a running net movement as each entry appears.

  • Pause, rewind and replay at your own pace, from 1× to 4× speed
  • Keep the same period and filters as your Dashboard
  • See internal transfers in Combined use with All categories selected

Works without AI. Running net starts at zero for the selected activity and includes tax; transfers have no net effect in Combined use.

Actual app · demo playback paused · select to enlarge

03 / PUT IT INTO WORDS

oneAI Stories

A letter about your money. Written for you.

Ask oneAI to connect the patterns in your selected records. Read a personal letter about income sources, spending and changes over time, with practical possibilities to consider.

  • Use the same period, currency and private or business filters
  • Choose Write my letter when you are ready
  • Refresh the letter after changing your selection
Actual app · demo data · simulated AI letter · select to enlarge

All three screens use oneFlow’s built-in Demonstration Accounts: a fictional household and home-based web business. Selected period: June–July 2026.

YOUR ACCOUNTS. YOUR QUESTIONS.

MEET ONEFLOW ADVISOR

Talk through the numbers.
See a way forward.

A dedicated AI conversation about your money. Ask where you stand, explore a what-if, or work towards a goal—with answers grounded in your existing oneFlow records.

Start with what’s on your mind.

“What could the next six months look like?”

Ask about income, expenses, account balances, overdue invoices or the effect of a quieter month. Follow up naturally. Advisor brings useful charts, tables and visual explanations into the conversation.

  • Compare trends, explore spending shares in a pie chart, or compare monthly activity with bubbles
  • Keep Currency, Use and Category group in step with your Visual Dashboard
  • Type a question or choose Speak for a two-way voice conversation

Advisor analyses your existing records. It does not change accounts, save a budget or move money. Available when your AI connection is active.

Try a few demo questions ↓
Actual app · demo records · simulated AI wording · select to enlarge

A FEW QUESTIONS TO MAKE IT CONCRETE

One demo. Different possibilities.

The built-in Demonstration Accounts combine a fictional household with a home-based web business. These examples use June–July 2026, AUD and all categories. Amounts exclude tax.

01 / UNDERSTAND TODAY“What came in, and where did it go?”

COMBINED HOUSEHOLD & BUSINESS · JUNE–JULY 2026

Recorded income
$13,561.35
Recorded spending
$8,771.93
Recorded surplus
$4,789.42

Ask for a spending pie chart to see the breakdown. Rent accounts for $3,100; office equipment, $3,050. These are recorded income and expenses, rather than money available in your bank.

02 / KNOW YOUR INCOME SOURCES“Which customers make up my business income?”

BUSINESS USE ONLY · JUNE–JULY 2026

Bright Coast Design
$3,500
Greenleaf Garden Care
$3,300
Riverbend Yoga Studio
$2,000
Direct income without a client
$300

That’s $9,100 of recorded business income. Ask for an income-source pie chart to see the mix, then follow up about customer reliance or a drop in income.

03 / EXPLORE A GOAL“Could I save $6,000 in six months if spending fell by 10%?”

ILLUSTRATIVE SCENARIO · COMBINED USE

$16,999.86Illustrative six-month surplus

Compare the historical baseline with a 10% spending reduction, keeping income unchanged and starting with no earmarked savings. The model projects $2,833.31 in monthly surplus, compared with $2,394.71 at the historical baseline. The $6,000 goal requires $1,000 a month.

Based on two complete calendar months containing the demo’s 15 June–15 July activity, including irregular equipment purchases. Future income and spending may differ; projected surplus excludes opening bank funds and is not a bank cash forecast.

A conversation with a clear context. Select the currency, private or business use and category group you want. Ask for dates in the chat. Advisor uses the same saved category settings as your Visual Dashboard; whole-account balances are labelled separately.

Connected when you ask. Advisor needs an OpenAI API key and internet, with provider charges applying. Relevant financial information goes to OpenAI for a question; voice also uses online transcription and generated speech. Charts render locally. Chats and scenarios last for the current app session.

Choose Demonstration Accounts at startup, connect AI in settings, then open Advisor in the navigation and try your own questions.

Try oneFlow Advisor

SOME TASKS START WITH A FORM. OTHERS, A CONVERSATION.

04 / MEET ONEAI

A useful conversation.
With real work behind it.

Ask a question, attach a document or describe what you need. oneAI can look up records, run supported commands, open screens and bring back a clear answer.

Actual app interface · simulated AI response · fictional demo records

Want to explore your finances, scenarios or goals? Meet oneFlow Advisor →

01

Ask about your money.

“How much am I owed?” “What do I need to pay?” “What are my account balances?” Get a summary in the conversation, with the detail on screen.

02

Ask it to do something.

“Open a new bill.” “Add this supplier.” “Run profit and loss for June.” Supported commands use the same validation as the app’s forms. oneAI asks when it needs more detail.

03

Keep the work moving.

Queue documents while another request is processing. Clearly resolved bills can save automatically; uncertain details become reviews you can open from the queue.

Type naturally

Use ordinary language and follow-up questions. Ask for a summary, create or update supported records, or open the interface you need.

“Show my outstanding invoices.”

Speak, review, send

With AI voice off, browser dictation turns speech into editable text. Check the words, make changes and press Send. Availability depends on your browser.

Useful when typing gets in the way.

Have a voice conversation

Enable AI voice, press Voice and speak. A pause sends your message; oneAI replies aloud with a short summary, then listens again. Use Stop to end the session.

You start the microphone. You can stop it.

Helpful, with clear boundaries. oneAI can save changes through supported commands. Statement imports and completed reconciliations need your review and confirmation. Check the results, especially extracted documents and AI suggestions.

AI is optional and needs an OpenAI API key and internet; provider charges apply. Requests, relevant context and attachments go to OpenAI. AI voice sends recorded messages for transcription and uses generated speech. Browser dictation may use your browser’s online speech service.

THE THINGS YOU OWN HAVE A STORY, TOO.

Take a photo.
Start an asset record.

The laptop on your desk. The tools in your ute. The fridge in your kitchen.

Photograph the unit itself or its model and serial number label, then attach the photo for an asset import. oneAI reads what it can identify and prepares a record for you to check.

  1. 1
    Photograph and attach.

    Use a clear photo of the equipment or label. A receipt, warranty or readable document works too.

  2. 2
    Let oneAI fill in the detail.

    It can identify a name, make, model and serial number when the source supports them. Add anything it cannot read.

  3. 3
    Check it and keep the record.

    Review category, location, purchase details and any suggested value, then save to your home contents or equipment register.

WHAT TO PHOTOGRAPH
The unit or its identification labelMake · Model · Serial number

Clear, readable details give the AI a better starting point.

Actual review screen · simulated extraction for the tour

A useful register, over time. Track locations, asset tags, condition, purchase costs, warranty, saved valuations and disposal details. Print an Asset List or include recorded values in “What I own and owe”.

Suggested resale values are indicative estimates, without live market pricing or depreciation calculations. Original uploaded photos and documents are not saved with the record; keep your originals separately.

GOOD RECORDS SHOULD ANSWER REAL QUESTIONS.

05 / YOUR REPORTS

From “where did it go?”
to “now I can see.”

Explore 22 reports for everyday spending, business activity, banking and the things you own. Choose dates and the filters offered by each report, then print or save a PDF.

START WITH A QUESTION

What came in?
What went out?
Who still owes me?
What’s ahead?

See totals by currency. Keep personal and business use in perspective.

22 reports to explore

Your view, your filters. Use category groups such as Household, Small Business and Shared Home Office. Many reports offer private, business or combined use; some support cash basis. Each report shows its available filters.

Reports describe your saved records. Forecasts assume payment on due dates and exclude unrecorded future costs. Tax and GST worksheets help review recorded amounts; the app does not lodge a tax return or BAS.

PLENTY OF DEPTH. A FAMILIAR PLACE FOR EACH THING.

06 / EXPLORE THE DETAILS

The everyday essentials.
And the details that matter.

Use oneAI when it helps. Use the ordinary screens whenever you prefer. The same records connect your daily admin with your reports.

Familiar forms when you want to work directly.

See more app screens ↗
Invoices, bills, purchases & credits

Create customer invoices and credit notes, supplier bills, purchases and purchase returns. Add line descriptions, quantities, units, tax and private-use detail where supported.

  • Invoice and credit numbering; client payment terms
  • Transaction designer: layouts, logos, text and detail tables
  • Preview, print/PDF, download HTML and Copy for email
  • Paid, partly paid and outstanding balances

Copy a document into your own email app. oneFlow does not send emails or message your clients automatically.

Payments, refunds & allocations

Record money received from customers or paid to suppliers. Allocate a payment across documents, use partial payments or fill all unpaid items.

  • Apply customer credits and supplier returns
  • Record partial or full refunds
  • Linked bank movements keep balances connected
  • Reconciled payments are protected from changes

These actions record accounting movements. They do not send money or initiate a bank payment.

Banking, statements & reconciliation

Manage everyday accounts, savings, credit cards and loans. Record deposits, withdrawals and transfers; keep currencies distinct.

  • AI statement reading and category suggestions
  • Remembered category matching and duplicate checks
  • Suggested matches against existing movements
  • Save drafts and confirm an exact zero difference
  • Completed history and protected movements

Upload your statements; there is no automatic live bank feed. Review suggested categories and matches before confirming.

Clients, suppliers & contact details

Keep customers, suppliers and billers in one directory, including roles, addresses, optional contacts and a primary contact.

  • AI import from a business-card photo or document
  • Street and separate postal addresses
  • Optional address suggestions with your Geoapify key
  • Client statements and customer/supplier reports
Categories, tax & personal/business use

Build categories around life and work. Store defaults for tax and private-use percentages, then adjust relevant transaction lines.

  • Reusable category groups for focused reports
  • Tax codes and saved applied rates
  • Custom units, payment terms and default currency
  • Separate private and business report amounts

Category defaults help future entry. Saved transaction detail remains the basis of reports.

Assets, activity & workspace tools

Maintain home contents and equipment alongside your finances. Follow recorded changes and manage the local workspace.

  • Asset categories, tags, locations and disposal records
  • Dated valuations and a printable asset register
  • Workspace activity with date filters and paging
  • Database status, integrity checks and backup tools
  • Work commands for supported operations

YOUR DEVICE IS WHERE THE WORK HAPPENS.

07 / LOCAL BY DESIGN

On the web to get it.
On your device to run it.

Install oneFlow from pwa.oneflow.com.au. The app runs in your browser or its installed window, with your accounting database stored locally on that device.

YOUR DEVICELocal
oneFlow app
Forms · Reports · RecordsSQLite database
Saved in browser storage

Your database is not hosted in a oneFlow cloud account.

Optional online help

OpenAI: AI requests, context, files and voice.
Geoapify: enabled address searches.
Internet: initial installation and updates.

Keep working offline.

Once the app has fully downloaded and cached, core forms, saved records, reports and backups remain available offline. AI and address suggestions need a connection.

Your browser matters.

The database belongs to this site in this browser profile. A different browser, device or address has a different workspace. Installation is not automatic cloud sync.

Back up what matters.

Download a SQLite backup and keep a copy somewhere safe. Clearing browser site data can remove the workspace. Request persistent storage in the app to reduce automatic eviction.

A FILE YOU CAN KEEP

Make backups part of your routine.

The Database tools let you download a backup, check integrity and restore supported oneFlow backups. Supported older backups are checked and migrated before replacing the current database. App updates preserve saved workspace data.

API keys and AI preferences are separate. Back them up with the app’s password-encrypted settings backup, and keep that password safely.

Steve Goodwin, the developer of oneFlow and founder of Software Development Pty Ltd.
Steve GoodwinDeveloper of oneFlow · Brisbane, Australia

THE PERSON BEHIND ONEFLOW

Practical software.
A personal purpose.

Built by Steve Goodwin. Shared freely to make everyday admin a little easier.

Steve developed oneFlow to help individuals, households, freelancers and contractors spend less time on the detail and get a clearer view of their money. He provides the software free so people can put it to work in their own lives, with their records kept on their own device.

Based in Brisbane, Steve brings more than 35 years of experience across systems engineering, software development and technology consulting. He founded Software Development Pty Ltd in 2003 and continues to work as an adviser, architect and hands-on builder.

His approach is practical: understand what people need, make thoughtful technology choices and build something useful. oneFlow brings that experience to the everyday work of keeping home and business finances organised.

Meet Steve at Software Development ↗

A SMALL START. A CLEARER DAY.

Make yourself at home.

Start with the demo, explore an Australian setup,
or make an intentionally empty workspace your own.

Open pwa.oneflow.com.au ↗
  1. 01

    Open the app.

    Visit pwa.oneflow.com.au in a supported browser. Use it in a tab or install it as a Progressive Web App (PWA).

  2. 02

    Make it your app.

    Use the browser’s Install app option when offered. On iPhone or iPad, open in Safari and use Share → Add to Home Screen. Controls vary by browser.

  3. 03

    Choose your starting point.

    Optional API-key setup comes first and can be skipped. Then choose Demonstration Accounts, Basic Setup and Australian Tax Settings, or Empty System.

  4. 04

    Protect your local records.

    Use the same device and browser profile for your workspace. Allow storage protection when offered, and make your first backup after adding your own records.

Free to use. AI is optional.

Enter records and use reports without connecting AI. To use oneAI, add your own OpenAI API key; OpenAI usage is billed by the provider.

A FEW GOOD QUESTIONS

Before you begin.

Need a hand?
Get in touch ↗

Is oneFlow just for freelancers?

No. Individuals and households can use accounts, categories, statements, assets and everyday reports. Freelancers and contractors can also use invoices, supplier bills, payments and business reports. The product name is oneFlow Freelancer, but you can start with the parts that fit your life.

Where do I download or install it?

Open pwa.oneflow.com.au. Install using your browser’s app option, or continue in a tab. Allow the app to finish caching before relying on offline use. You do not need a local server or launcher script.

Is my database on a server?

Your accounting database is stored locally in this browser profile on this device. It is not automatically uploaded to a oneFlow database service. Optional AI sends relevant requests, context and attachments to OpenAI; enabled address searches go to Geoapify. Those optional services need internet.

Will my phone and computer share records?

They have separate local workspaces. There is no automatic multi-device or household sharing. Use a supported database backup and restore to move a workspace deliberately, and keep safe copies. Each browser profile and site address has its own storage.

Can I use it without AI?

Yes. Skip API-key setup and use manual entry, accounts, invoices, assets, reports, the Visual Dashboard and Money in Motion. oneAI Stories, AI imports, chat and AI voice need an OpenAI connection. Address entry also works manually without an address-lookup key.

When does oneAI Stories write a letter?

Open Stories with your OpenAI connection configured, choose the period and filters, then select Write my letter. Select Refresh letter when you want a new response. Your selected financial information is sent to OpenAI for that request. Opening the screen or changing filters alone does not generate a letter.

What does AI do automatically?

oneAI can run supported commands that save records. Fully resolved bills or clients may save automatically; unclear imports become review drafts. Statement imports and final reconciliation require your review and confirmation. Check summaries and extracted values; AI can make mistakes.

Can it email customers or pay bills?

Preview an invoice, print/save it as PDF or copy it for your own email app. Recording a payment updates accounting records; it does not transfer money. There is no automatic outgoing email, customer messaging or live bank feed.

Can I talk to it?

Browser dictation lets you speak, edit the text and send it. With AI voice enabled, press Voice for a conversation with automatic send after a pause and spoken replies. Press Stop to finish. Microphone permission, a supported browser and internet are needed; AI voice adds provider usage.

Are values or forecasts guaranteed?

No. Asset values are saved estimates or purchase-cost fallbacks, without live market pricing. Forecasts project recorded unpaid documents on due dates and exclude unrecorded future activity. Review the assumptions behind your reports.

What about updates or browser cleanup?

App updates preserve saved records and migrate supported older data. Browser cleanup is different: clearing this site’s storage can delete the local database. Use storage protection when available, keep regular backups and save original documents separately. Database backups exclude API keys and browser AI preferences.

YOUR MONEY. A LITTLE MORE UNDERSTOOD.

Less admin to carry.
More room to get on with life.

Start with oneFlow ↗
oneFlow · a closer look
Enlarged oneFlow demonstration screen

oneFlow demonstration screen

Open full-size image ↗