FLO: Finance Ledger Optimizer

FLO 3.0 — now on Mac. Liquid Glass redesign, landscape support, one-tap mileage classification, and limited launch pricing on Premium.

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.