Spending by Category
Health Score
—
Enter data to calculate
050100
Monthly Report
Enter your income and spending once a month. Flo tells you exactly what's eating your budget — and how to fix it.
Simple enough to actually use. Powerful enough to make a difference.
Enter category totals once a month. See exactly where every dollar went with visual breakdowns.
A single 0–100 score tells you how well you're doing. Watch it improve month over month.
See how much you're really paying for subscriptions every year. Most people are shocked.
Quick income tax estimate for 14 countries. Good enough to plan, fast enough to use.
Live rates for 30+ currencies. See your budget in any currency instantly.
See how much your salary needs to grow to keep up with inflation — with real numbers.
Core features are completely free. Upgrade for AI insights and advanced tracking.
Save previous months to unlock.
Quick calculators — no sign-up, no bank connection needed.
Assets minus liabilities. This single number tells you your true financial position. Update it monthly to see real growth.
Rough estimate of your tax bracket and take-home pay. For planning only — consult a tax professional for official filings.
Find out how much your salary needs to be today to match your past purchasing power. See exactly how much inflation has eaten your earnings.
Add all your recurring subscriptions and see the true annual cost. Most people underestimate this by 40%.
How many months of runway do you have — and what's your target?
See exactly when you'll be debt-free and how much total interest you'll pay.
⟳ Fetching live rates…
Last updated: March 2026
Flo ("we", "us", or "our") is committed to protecting your privacy. This policy explains what information we collect, how we use it, and your rights.
Your budget data is stored exclusively in your browser's localStorage. Clearing your browser data will erase it. We do not have access to this data.
We use minimal, essential cookies only (language preference, session state). We do not use advertising cookies or third-party tracking.
We may use anonymous analytics (e.g. Plausible Analytics, which is GDPR-compliant and cookie-free) and Chart.js for data visualization loaded from a CDN.
Flo is not directed at children under 13. We do not knowingly collect data from children.
We may update this policy. We'll note the date of the latest revision at the top of this page.
Questions? Email us at privacy@getflo.io
Last updated: March 2026
By using Flo ("the app"), you agree to these terms. Please read them carefully.
Flo is a personal finance tool provided for informational purposes only. You may use it for personal, non-commercial budgeting and financial planning.
Nothing in Flo constitutes financial, tax, investment, or legal advice. All calculations are estimates only. Always consult a qualified professional for official financial decisions.
You agree not to: reverse-engineer the app, attempt to bypass Pro restrictions, use the app for illegal purposes, or redistribute the app's code without permission.
The app is provided "as is" without warranty of any kind. We do not guarantee accuracy of tax brackets, exchange rates, or inflation figures. Use at your own risk.
To the maximum extent permitted by law, Flo and its creators are not liable for any financial losses or damages resulting from use of the app.
We may update these terms at any time. Continued use of the app after changes constitutes acceptance of the new terms.
Questions? Email hello@tota-finance.com