Flo Money: Budget & Expenses

Flo Money makes tracking your money feel effortless — and even a little fun. Log expenses in seconds, see exactly where your money goes, stay on budget and reach your savings goals, all in one clean, fast app.

And whenever you have a question about your money, just ask Flo — your built-in AI finance companion that answers using your real numbers.

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LOG EXPENSES IN SECONDS
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🎤 JUST SAY IT
Tap the mic and speak — "spent 40 on groceries" — and Flo works out the amount, category and description for you.

💬 PASTE YOUR BANK SMS
Got a payment alert from your bank? Paste it in and Flo turns it into a transaction instantly. No bank connection needed.

⚡ QUICK ADD
Or tap it in the old-fashioned way, with smart category suggestions and one-tap shortcuts for the places you spend most.

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UNDERSTAND YOUR MONEY
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📊 SEE WHERE IT GOES
Beautiful charts break your spending down by category, so you always know what's eating your money — no spreadsheets required.

📈 SPOT THE TRENDS
Compare months, track your savings rate and see your spending heatmap by day.

💯 FINANCIAL HEALTH SCORE
One number from 0–100, built from your savings rate, budgets and goals.

🤖 ASK FLO ANYTHING
"Where am I overspending?" "Am I on track to save?" "Give me a plan for next month." Flo answers using your actual transactions, budgets and goals — not generic advice.

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STAY IN CONTROL
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🎯 BUDGETS THAT ROLL OVER
Set a monthly limit per category and get a heads-up before you overspend. Unused budget carries into next month automatically.

🏆 SAVINGS GOALS
Emergency fund, a holiday, a new car — add your goals and Flo tracks them from your real savings, showing what's funded and when you'll get there.

💸 DEBT TRACKING
Keep tabs on money you owe and money owed to you — balances, due dates, interest and payoff progress, all in one place.

🏠 MONEY SENT HOME
Send money to family abroad? Log it as Sent home and see what it came to there at today's exchange rate.

🎉 FESTIVAL BUDGETS
Ahead of Eid, Onam, Diwali, Thanksgiving or Christmas, Flo offers to set money aside, based on what it cost you last year.

🔁 RECURRING BILLS & INCOME
Add your rent, salary and subscriptions once. Flo remembers them and logs them in a single tap.

🔔 BILL REMINDERS
A reminder the day before each bill is due, so nothing catches you off guard.

📅 FINANCIAL CALENDAR
Every transaction, bill and payday on one monthly view.

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MADE TO ENJOY
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✨ MONEY WRAPPED
A shareable monthly recap of your spending, savings and top categories — your money story, beautifully summed up.

🏅 ACHIEVEMENTS
Build a saving streak, keep every budget in the green, and unlock badges as your habits improve.

🌍 SET UP FOR WHERE YOU LIVE
Tell Flo where you live and it sets itself up for there: your currency, local shops and apps, usual bills and bank alerts. Made for the UAE, India, the US and the UK, and works in every currency.

🌙 LIGHT & DARK
Light and dark themes that follow your phone, or pick one.

📤 YOUR DATA IS YOURS
Export your transactions as CSV or a full monthly report whenever you like.

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PRIVATE BY DESIGN
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🔒 NO BANK CONNECTION
Flo never links to your bank account. You decide what goes in.

🛡️ SECURED
Your data is encrypted in transit and protected by an optional fingerprint or face lock.

🚫 NO ADS, NO DATA SELLING
No advertising, no data brokers. Your finances are yours alone.

🗑️ DELETE ANYTIME
Delete any entry, or your whole account and all its data, from Settings.

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Want to look around first? Tap "Try live demo" on the welcome screen to explore the whole app with sample data — no account, no signup.

Flo Money is free. Take control of your money today, and know exactly where every dirham, rupee, dollar or pound goes.