FreeIn rupeesLakhs and crores
The free expense tracker for India, in rupees
Flo Money is set up for life in India: UPI payments, Swiggy and Zomato, KSEB and EMIs, chitty and LIC. Log a spend by voice or straight from your bank’s SMS, and see what’s left this month in rupees, written in lakhs and crores.
No credit card Set up in a minute Delete anytime
UPI and SMS
Every UPI payment, from the SMS you already get
Your bank texts you for every UPI and card payment. Paste that SMS into Flo, or let the Android app catch the alert as it arrives, and Flo fills in the amount, who you paid and when. You confirm every one.
- UPI, debit and credit card alerts
- Who you paid and when, read for you
- Nothing added until you say yes
Bills and EMIs
KSEB, recharges and EMIs, on time
Add a bill once, from electricity and broadband to a loan EMI, an LIC premium or a KSFE chitty, and Flo reminds you the day before it’s due and counts it in what’s left for the month.
- A reminder the day before each one
- Counted in what’s left before it goes
- Ticked off as it’s paid
Festivals
Onam, Vishu and Diwali, planned ahead
A few weeks before Onam, Vishu or Diwali, Flo offers to set money aside, and once it has your history it says what the season cost you last time. Say yes and it becomes a goal that fills with your other savings.
- A heads-up a few weeks before
- Last year’s extra spending, when Flo knows it
- Hide any you don’t celebrate
Flo AI
Ask where the money went
Ask “How much did I spend on Swiggy this month?” and Flo answers from your own transactions, in rupees. Tell it “My rent is 15,000 on the 5th” and it offers to set up the bill.
- Answers with your own numbers
- Bills set up from one sentence
- Nothing changes without your OK
Built for life in India
Choose India when you sign up, and Flo starts with what life here costs, with a few Kerala touches.
Bills Flo knows
One tap to add, with a reminder the day before each.
- Rent
- KSEB electricity
- Kerala Water Authority
- Mobile recharge
- Broadband
- LPG cylinder
- Loan EMI
- LIC premium
- KSFE chitty
- School fees
- JioHotstar
Shortcuts for where you spend
Ready before you’ve logged a thing, then Flo learns your own.
- Swiggy
- Zomato
- BigBasket
- Blinkit
- Lulu Hypermarket
- Milma milk
- Tea & snacks
- Uber
- Ola
- Rapido
- Auto rickshaw
- KSRTC bus
Your bank’s SMS, read for you
Paste a message like this one, and Flo fills in the expense:
Rs.450.00 debited from A/c XX1234 to VPA swiggy@axisbank on 22-10-26. UPI Ref 629104…
Festivals Flo plans for
A few weeks before each, an offer to set money aside.
- Onam
- Vishu
- Diwali
- Christmas
- Eid al-Fitr
- Eid al-Adha
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.
Flo Money in India: questions, answered
Is Flo Money free in India?
Yes. Flo is free, with no trial and no card, and it’s set up for India from the first screen: rupees, lakhs and crores, local shops and the bills people here pay.
Does Flo read UPI SMS?
Yes. Paste a UPI or card SMS, like “Rs.450.00 debited from A/c XX1234 to VPA swiggy@axisbank on 22-10-26. UPI Ref 629104…”, and Flo reads the amount, who you paid and the date. In the Android app it can catch bank alerts as they arrive, and asks before adding each one.
Can I track EMIs, LIC premiums and chitty payments?
Yes. Add each as a bill once, and Flo reminds you the day before it’s due and counts it in what’s left for the month.
Does Flo write amounts in lakhs and crores?
Yes. Once you tell Flo you live in India, amounts are written the Indian way, like ₹1,50,000.
Does Flo need my bank login?
No. Flo reads the SMS your bank already sends you, so it never needs your bank login or a connection to your account.
Flo in other countries
Living somewhere else? Flo works in every currency, and sets itself up for where you live.
Your money in India, finally clear
Free, private, and set up in a minute. Flo takes it from there.