Take control of irregular income, maximize deductions, and stay ahead of quarterly taxes — all from your phone. Built for self-employed professionals.
Proactive tax planning, professional invoicing, and smart expense management — no accounting degree required.
Real-time summaries of income, expenses, budgets, invoices, mileage, and tax estimates with business/personal filtering.
Real-time quarterly tax estimates using current IRS rates. See exactly what you'll owe before it's due — not after.
Create and send branded PDF invoices in seconds. Track payments, send reminders, and manage aging reports.
Instant OCR scanning with intelligent data extraction. Auto-categorize expenses and flag tax deductions.
Create envelope-style budgets with rollover. Track spending in real-time with automatic business/personal separation.
IRS-compliant automated mileage tracking with GPS. Live Activities show trip progress right on your Lock Screen.
Snowball and avalanche payoff strategies with side-by-side comparison. See exactly when you'll be debt-free.
On-device machine learning predicts spending patterns and detects anomalies. Your data never leaves your device.
Log expenses from your wrist, view spending summaries, control mileage trips, and check tax estimates with 3 complications.
Connect your bank accounts for automatic transaction imports and real-time balance updates. Secure and encrypted.
Every major feature is powered by a native Apple framework. Zero third-party UI dependencies.
FLO 2.0 is built entirely with SwiftUI and leverages the full depth of Apple's ecosystem for a fast, private, and seamless experience.
iPhone • Apple Watch • Widgets • Siri • Live Activities
100% SwiftUI • Privacy-first • On-device ML
Your financial data stays on your device by default. No ads, no data selling, no cloud accounts required.
Face ID / Touch ID and passcode locking for app access.
All data stored locally with SwiftData. Optional iCloud sync available.
Granular permissions for camera, location, and photos. You choose what to share.
On-device processing for all sensitive financial data. Bank sync encrypted end-to-end.
Start free. Upgrade when you're ready. Try Premium or Pro free for 7 days.
Proactive tax planning, professional invoicing, and smart expense management. Download FLO and take control of your finances today.
Download FLOFree to download • Premium plans start at $12.99/month • 7-day free trial