FreeYour own numbersNever sold

An AI money assistant that answers from your real numbers

Ask Flo about your money, like “Where am I overspending?” or “How long until my emergency fund is full?”. It reads your transactions, budgets, goals and bills, and answers with your own figures, not general tips.

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Flo, the AI money assistant, answering “Where am I overspending this month?” with the budgets that are over
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Flo, the AI money assistant, answering “Where am I overspending this month?” with the budgets that are over
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Flo, the AI money assistant, answering “Where am I overspending this month?” with the budgets that are over
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Flo, the AI money assistant, answering “Where am I overspending this month?” with the budgets that are over

How it works

  1. Ask in your own words

    Type or say a question about your spending, budgets, bills or goals.

  2. Flo looks at your numbers

    It reads what you’ve logged, so the answer is about your month, with real amounts in it.

  3. Act on it in a tap

    When an answer calls for a change, like a bill to add, Flo shows it to you first and adds it once you say yes.

Ask

Questions about your money, answered with it

Flo knows your month: what came in, what went out, which budgets are close to the line and which bills are still to come. So “Where am I overspending?” gets the categories and the amounts, not a lecture.

  • “Where am I overspending?”
  • “How long until my emergency fund is full?”
  • “What did I spend on food last month?”
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A conversation with Flo: two budgets over this month, and two changes that would save the most next monthA conversation with Flo: two budgets over this month, and two changes that would save the most next month
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A conversation with Flo: two budgets over this month, and two changes that would save the most next monthA conversation with Flo: two budgets over this month, and two changes that would save the most next month
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A conversation with Flo: two budgets over this month, and two changes that would save the most next monthA conversation with Flo: two budgets over this month, and two changes that would save the most next month
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A conversation with Flo: two budgets over this month, and two changes that would save the most next monthA conversation with Flo: two budgets over this month, and two changes that would save the most next month

Tell

Tell Flo, and it sets it up

Say “My rent is 5,000 on the 1st” and Flo offers to add the bill. From one sentence it can record spending, income, a bill, monthly income or a debt, and nothing is saved until you tap Add.

  • Bills and monthly income
  • Spending and debts
  • Added only when you say yes
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This month’s bills in Flo Money, including one set up from a chat with FloThis month’s bills in Flo Money, including one set up from a chat with Flo
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This month’s bills in Flo Money, including one set up from a chat with FloThis month’s bills in Flo Money, including one set up from a chat with Flo
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This month’s bills in Flo Money, including one set up from a chat with FloThis month’s bills in Flo Money, including one set up from a chat with Flo
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This month’s bills in Flo Money, including one set up from a chat with FloThis month’s bills in Flo Money, including one set up from a chat with Flo

Focused

About your money, and only your money

Flo sticks to your finances and how to use the app, and politely declines the rest. Every answer is about the thing you asked, using what you’ve logged.

  • Your spending, budgets and bills
  • Goals and debts
  • How to do things in Flo
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Flo Money’s insights, the same numbers Flo answers fromFlo Money’s insights, the same numbers Flo answers from
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Flo Money’s insights, the same numbers Flo answers fromFlo Money’s insights, the same numbers Flo answers from
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Flo Money’s insights, the same numbers Flo answers fromFlo Money’s insights, the same numbers Flo answers from
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Flo Money’s insights, the same numbers Flo answers fromFlo Money’s insights, the same numbers Flo answers from

Privacy

Your data, your call

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

  • Only what the question needs

    Your question, with the figures it needs, goes to our AI providers only to answer you.

  • Never sold

    Never shared with advertisers, and never sold.

  • Clear it any time

    Start a new chat to clear the conversation, or delete your account and everything in it.

Read the full privacy policy.

AI money assistant: questions, answered

Is Flo’s AI assistant free?

Yes. Asking Flo is part of Flo Money, which is free, with no trial and no card.

Does Flo give financial advice?

No. Flo explains your own numbers and helps you plan with them, but it isn’t a financial adviser, and nothing it says is financial advice.

What does Flo send to its AI providers?

Your question, with the figures it needs, and only to answer you. It’s never shared with advertisers and never sold.

Can it change my data?

Only when you say so. When Flo offers to add a bill, income, an expense or a debt, it shows you first, and nothing is saved until you tap Add.

Can I ask it anything?

Flo answers questions about your money and about using the app, and politely declines everything else, so its answers stay about you.

More of what Flo does

Try it on your own money

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

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