FreeNo bank connectionAny currency

Know what’s left. Just say what you spent.

Flo Money turns “45 on lunch” into a logged expense, shows what’s left to spend this month at a glance, and answers questions about your money from your real numbers.

Start free Get it on Google Play

iPhone app coming soon. On Android? Get it on Google Play

No credit card Set up in a minute Delete anytime

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Flo’s Home screen: what is left to spend this month, per day, and the latest spending
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Flo’s Home screen: what is left to spend this month, per day, and the latest spending
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Flo’s Home screen: what is left to spend this month, per day, and the latest spending
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Flo’s Home screen: what is left to spend this month, per day, and the latest spending

Log it

Three seconds, or just your voice

Say “45 on lunch”, type it, paste the SMS your bank sent, or scan a receipt. Flo fills it in and you check it before it’s saved.

  • Voice, typing, bank SMS or a receipt photo
  • Learns your usual places and categories
  • On Android, catches bank alerts, and asks first
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Adding an expense in Flo: the amount in large figures, with a category chosenAdding an expense in Flo: the amount in large figures, with a category chosen
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Adding an expense in Flo: the amount in large figures, with a category chosenAdding an expense in Flo: the amount in large figures, with a category chosen
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Adding an expense in Flo: the amount in large figures, with a category chosenAdding an expense in Flo: the amount in large figures, with a category chosen
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Adding an expense in Flo: the amount in large figures, with a category chosenAdding an expense in Flo: the amount in large figures, with a category chosen

Bank alerts

Your bank alerts, caught

Pay as usual. On Android, Flo can catch the alert your bank sends, read the amount and the place, and ask: add it? One tap, and it’s logged.

  • Off until you turn it on
  • Anything else is dropped on your phone
  • No bank login, and you confirm every one
See how it works
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Flo’s Automatic capture screen: a caught bank alert, read as an expense, with an Add buttonFlo’s Automatic capture screen: a caught bank alert, read as an expense, with an Add button
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Flo’s Automatic capture screen: a caught bank alert, read as an expense, with an Add buttonFlo’s Automatic capture screen: a caught bank alert, read as an expense, with an Add button
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Flo’s Automatic capture screen: a caught bank alert, read as an expense, with an Add buttonFlo’s Automatic capture screen: a caught bank alert, read as an expense, with an Add button
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Flo’s Automatic capture screen: a caught bank alert, read as an expense, with an Add buttonFlo’s Automatic capture screen: a caught bank alert, read as an expense, with an Add button

Home

Know what’s left

One number for the month and what it comes to per day, with bills counted before they’re paid. You know before you spend, not after.

  • What’s left, and how much a day
  • Where the money went, by category
  • Anything that needs you, in one place
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Flo’s Home screen: what is left to spend this month, per day, and the latest spendingFlo’s Home screen: what is left to spend this month, per day, and the latest spending
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Flo’s Home screen: what is left to spend this month, per day, and the latest spendingFlo’s Home screen: what is left to spend this month, per day, and the latest spending
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Flo’s Home screen: what is left to spend this month, per day, and the latest spendingFlo’s Home screen: what is left to spend this month, per day, and the latest spending
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Flo’s Home screen: what is left to spend this month, per day, and the latest spendingFlo’s Home screen: what is left to spend this month, per day, and the latest spending

Flo

Ask, and get a real answer

Flo reads your transactions, budgets, goals and bills, so it answers the question you asked, with your own numbers in it.

  • “Where am I overspending?”
  • “How long until my emergency fund is full?”
  • “My rent is 5,000 on the 1st”, and it sets up the bill
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A conversation with Flo about this month’s spendingA conversation with Flo about this month’s spending
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A conversation with Flo about this month’s spendingA conversation with Flo about this month’s spending
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A conversation with Flo about this month’s spendingA conversation with Flo about this month’s spending
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A conversation with Flo about this month’s spendingA conversation with Flo about this month’s spending

Plan

Plan ahead without spreadsheets

Bills ticked off as they’re paid, budgets that warn you while there’s still time, goals that fill themselves, and debts in both directions.

  • A reminder the day before each bill
  • Unused budget rolls into next month
  • Savings fill your goals in order
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Flo’s bills for the month, ticked off as each one is paidFlo’s bills for the month, ticked off as each one is paid
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Flo’s bills for the month, ticked off as each one is paidFlo’s bills for the month, ticked off as each one is paid
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Flo’s bills for the month, ticked off as each one is paidFlo’s bills for the month, ticked off as each one is paid
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Flo’s bills for the month, ticked off as each one is paidFlo’s bills for the month, ticked off as each one is paid

Insights

Your month, explained

A few plain sentences on how the month went, six-month trends, and a report for any month or all time. When a month ends, Money Wrapped tells it back as a story to share.

  • Monthly and all-time reports
  • Trends and a health score in plain words
  • Money Wrapped at the end of each month
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Flo’s Insights: the month in brief, money in and out, and where it wentFlo’s Insights: the month in brief, money in and out, and where it went
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Flo’s Insights: the month in brief, money in and out, and where it wentFlo’s Insights: the month in brief, money in and out, and where it went
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Flo’s Insights: the month in brief, money in and out, and where it wentFlo’s Insights: the month in brief, money in and out, and where it went
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Flo’s Insights: the month in brief, money in and out, and where it wentFlo’s Insights: the month in brief, money in and out, and where it went

And everything else your money needs

All of it free, in one calm app.

  • Goals that fill themselves

    Savings flow into your goals in order, with the month you’ll get there.

  • Bills, remembered

    Add a bill once. Flo reminds you the day before it’s due.

  • Debts, both ways

    Who owes you, what you owe, and how much is paid off.

  • Insights in plain words

    Your month in a few sentences, six-month trends and a health score.

  • Bank alerts, caught

    On Android, Flo spots bank alerts and asks before adding each one.

  • Your data, portable

    Bring in a bank CSV. Export everything, any time.

  • Light or dark

    Follows your phone, or pick the one you like.

  • Any currency

    Set up for where you live: your money, local shops and bills, the number format you’re used to.

Privacy

Your money stays yours

A finance app is only worth using if you can trust it. Here’s what that means at Flo.

  • No bank connection

    Nothing is pulled from your accounts. You decide what goes in.

  • Encrypted in transit

    Every request travels over TLS, the standard banks use.

  • Never sold

    No ads and no data brokers. Your numbers are only yours.

  • Gone when you say

    Delete your account and everything in it, from inside the app.

Read the full privacy policy.

Questions, answered

Is Flo Money free?

Yes. Unlimited transactions, budgets and goals, with no trial and no card needed.

Do I have to connect my bank?

No. You log spending yourself, by voice, by pasting a bank SMS, by scanning a receipt, or in a couple of taps, so you always know what’s in there.

Can Flo log my spending automatically?

On Android, yes, if you turn it on: Flo can catch the payment alerts your bank sends and ask before adding each one. Anywhere else, say it, paste a bank SMS or scan a receipt.

Is my financial data safe?

It’s encrypted in transit, can be locked behind your fingerprint or face on Android, and is never sold. You can delete everything at any time.

Which currencies work?

All of them in use today, from the dirham and the rupee to the pound and the dollar. Flo sets itself up for where you live, and amounts follow the number format used there.

How does Flo know my numbers?

It reads the transactions, budgets and goals you’ve logged to answer your questions. What a question needs is sent to our AI providers only to answer it, and never shared with advertisers.

Is there an app?

Yes: get Flo Money for Android on Google Play. The iPhone app is coming soon, and Flo also works in any browser, on any device.

Your money, finally clear

Free, private, and set up in a minute. Flo takes it from there.

Start free Get it on Google Play

iPhone app coming soon. On Android? Get it on Google Play