# FLO: Finance Ledger Optimizer — Smart Finance & Tax Tracker > Freelancer and small business finance, tax, and invoicing management app. (iPhone/iPad app by Travis Anderson.) - Source: https://appshunter.io/ios/app/flo-finance-ledger-optimizer/id6756789373 (this page in markdown: same URL + `.md`) - Developer: [Travis Anderson](https://appshunter.io/developer/1841271008) - Category: Finance, Business - Price: Free with in-app purchases - Rating: 5.00/5 from 3 App Store ratings - Age rating: 12+ - Requires: iOS 18.0 · 28 MB - Released: 2026-02-06 - Data updated: 2026-06-30 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/flo-finance-ledger-optimizer/id6756789373/reviews.md ## What is FLO? FLO is the all-in-one finance tracker for freelancers, side-hustlers, and small business owners. Track every dollar, claim every mile, and hand your CPA a tidy tax package — all from your phone or Mac. WHAT FLO DOES Track transactions across personal AND business accounts in one place. FLO automatically separates business income and deductions so you're tax-ready year-round. KEY FEATURES • Smart receipt scanner — point your camera at a receipt and FLO extracts merchant, amount, date, tax, and tip automatically. Works for receipts, bills, and invoices. • Mileage tracking — automatic GPS-based business mileage logging with IRS rate calculation. Classify trips with one tap. Bulk-clear unreviewed trips. Built for the 2026 IRS rate of $0.725/mi. • Tax-ready reporting — Schedule C, Form 1065, Schedule F, Schedule E line mapping. Export to Lacerte CSV or generic CSV for any tax prep software. • Business entity support — track multiple LLCs, partnerships, or sole proprietorships. K-1 partner allocations, basis tracking, MACRS depreciation, multi-year carryforwards. • Cash flow forecasting — three-month forecast with danger zone alerts. • Plaid bank sync — connect 12,000+ banks (Premium and Pro) • Cloud sync with iCloud across iPhone, iPad, Mac, and Apple Watch • Invoicing — create, send, and track invoices. Cash flow updates the moment a client pays. • Debt payoff calculator — snowball vs avalanche scenarios • Budgets — category budgets with personalized insights • Apple Watch app + home screen widgets FREE TIER • Up to 50 transactions per month • Smart receipt scanner included • Manual mileage entry • Basic budgets and reports PREMIUM ($7.99/mo or $59.99/yr — limited launch pricing) • Unlimited transactions, receipts, accounts • Automatic GPS mileage tracking • Plaid bank sync • CSV bank statement import • Quarterly tax estimates • Personalized financial insights PRO ($12.99/mo or $99.99/yr) • Everything in Premium • Multi-entity tax preparation (LLCs, partnerships, Schedule C/F/E) • Partner basis tracking and K-1 allocations • MACRS depreciation schedules • Tax carryforward register • Year-end closing workflow • Filing checklist with deadlines per entity • Estimated tax dashboard with safe harbor calculations • NAICS code suggestions • Multi-year tax comparison • CPA handoff PDF + JSON export • Filing preparer checklist • Profit & loss reports PRIVACY FIRST FLO never sells your data. All financial data syncs through iCloud — Apple's encrypted infrastructure. No tracking, no ads, no data brokers. 7-DAY FREE TRIAL on Premium. Cancel anytime in Settings > Subscriptions. Terms: https://floptimizer.github.io/FLO/terms.html Privacy: https://floptimizer.github.io/FLO/privacy.html EULA: https://floptimizer.github.io/FLO/eula.html Built by Finch & Poppy Co LLC. ## Key features - Proactive tax planning with real-time estimates - Professional invoicing with payment tracking - Smart expense management with receipt scanning - Cash flow forecasting - Debt-free planning tools - Household sharing for family finances ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Monthly | $7.99 | per month | | Pro Monthly | $12.99 | per month | | Premium Yearly | $59.99 | per year | | Pro Yearly | $99.99 | per year | ## Frequently asked questions about FLO ### 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. ## Version history (last 4 releases) ### 3.0 — 2026-06-12 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 ### 2.1 — 2026-03-18 Version 2.1 — Smarter Together NEW: Household Sharing Create a household and invite family members with a secure 6-character code. Manage roles (Owner, Admin, Member, Viewer) and collaborate on shared finances. Join a household from any device — just enter the invite code. NEW: Cash Flow Forecasting See where your money is headed. Project your balance 1, 3, 6, or 12 months out with an interactive chart. Get early warnings for low-balance danger zones and view upcoming bills on a timeline. NEW: Recurring Transaction Detection FLO now automatically finds recurring bills and income patterns in your history. Review detected patterns and add them with one tap. NEW: iCloud Sync Your financial data now stays in sync across all your Apple devices automatically. NEW: App Clip for Invoices Share a link — anyone can generate a professional PDF invoice instantly, no install required. EXPANDED: 142 Categories Up from 37 — now with granular breakdowns for utilities, insurance, transportation, health, and more. Business categories auto-map to IRS Schedule C lines. Existing users get new categories automatically. IMPROVED: Performance Cold start is 15x faster. Dashboard loads in under 200ms. We'd love to hear from you! Rate us on the App Store or reach out at flo.financeapp@gmail.com ### 2 — 2026-03-05 Version 2 — Built for Apple NEW: AI-Powered Insights - Smart spending predictions and anomaly detection - Personalized tax optimization recommendations - Automatic expense categorization that learns from you NEW: Bank Sync via Plaid - Connect your bank accounts for automatic imports - Real-time transaction syncing - Simplified reconciliation NEW: Debt Payoff Planner - Snowball and avalanche strategy comparison - Month-by-month payoff schedules - See exactly when you'll be debt-free NEW: Apple Watch App - Log expenses from your wrist - View today's spending summary - Quick mileage trip controls - Tax estimate complication NEW: Enhanced Platform Integration - Live Activities for mileage tracking - Siri Shortcuts for hands-free logging - Redesigned Home Screen widgets IMPROVED: Accessibility & Performance - Full VoiceOver support throughout - Dynamic Type for all text - Reduced Motion and high contrast support Faster app launch time We'd love to hear from you! Rate us on the App Store or reach out at flo.financeapp@gmail.com ### 1.1 — 2026-02-07 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-30.*