FLO: Finance Ledger Optimizer
Smart Finance & Tax Tracker
About
Manage freelance finances, track expenses, and plan for taxes. Create professional invoices, forecast cash flow, and plan debt payoff. Designed for self-employed professionals and small businesses.
What's New in FLO
3.0
June 12, 2026
FLO 3.0 is our biggest release yet — a complete visual redesign and first-class macOS support. NEW IN 3.0: • macOS support — work on your finances from your Mac with full keyboard nav and menu bar widget • Liquid Glass design on iOS 26 — subtle, premium glass effects across the app • Landscape support on iPhone and iPad with adaptive three-zone navigation • Redesigned navigation — all features now first-class, no more nested menus • Premium yearly intro pricing — limited time MILEAGE IMPROVEMENTS: • One-tap classification for unreviewed trips — Business, Personal, or Commute right at the top of trip details • Bulk classify — clear your entire Needs Review backlog from one menu • Live count of trips needing review surfaced on the main mileage screen • Trip rows now tappable directly from the home screen • Fixed: deductions now update correctly when classifying trips UNDER THE HOOD: • Cleaner architecture for faster iteration • Improved accessibility across the app • Better Dynamic Type support
MoreSubscription plans
Premium Monthly
Quarterly tax estimates, invoicing & mileage tracking
FAQ
What are the subscription tiers for FLO?
FLO offers a FREE tier with limited transactions and scans. PREMIUM is $12.99/mo or $129.99/yr for unlimited features, tax estimates, and mileage tracking. PRO is $19.99/mo or $199.99/yr and includes AI insights, bank sync, and household sharing.
How does FLO help with taxes?
FLO provides proactive tax planning by calculating real-time quarterly estimated taxes based on current income and IRS rates. It also offers tax deduction flagging and a year-end tax preparation checklist.
Can I create invoices with FLO?
Yes, FLO allows you to create and send professional PDF invoices in seconds. You can track payments, set up automatic reminders, and even use an App Clip for clients to generate invoices instantly.
Is FLO secure?
FLO prioritizes privacy with on-device storage and industry-standard encryption by default. Optional cloud sync and bank connections are end-to-end encrypted. It also supports Face ID/Touch ID and passcode protection.
What devices does FLO support?
FLO syncs across all your Apple devices, including iPhone, iPad, and Apple Watch. It also features Home Screen widgets and Live Activities for quick access.
How often is FLO updated?
The latest version of FLO is 2.1, last updated on March 18, 2026. Updates typically include new features, performance improvements, and bug fixes.
Does FLO have ads?
No, FLO is ad-free. The app explicitly states 'No ads. No data selling.' in its description.
What is the age rating for FLO?
FLO has an age rating of 12+, making it suitable for teenagers and adults managing their finances.