AI Financial OS · Hong Kong Freelancers

Your finances,
finally under control

Know exactly how much tax to set aside each month. No more IRD surprises.

No credit card Free tier available Correct 8.25% HK Profits Tax Bilingual EN / 繁中
flo-hk.com/dashboard
Revenue YTD
HK$143k
Tax reserve
HK$18,000
HK$12,200 shortfall
Outstanding
HK$87,500
Health score
74
Dec
Jan
Feb
Mar
Apr
May
Features
More than invoicing

The financial clarity HK freelancers actually need — not just a PDF generator.

New
🏦
Tax Reserve Estimator
Know exactly how much to set aside each month. Correct 8.25%/16.5% HK Profits Tax rates.
New
📊
Cashflow Dashboard
Revenue, expenses, outstanding invoices, and net profit — one view, updated in real time.
📧
Send invoices by email
One click sends a professional invoice with FPS payment details. Client gets a payment link.
🧾
AI Deduction Classifier
Describe any expense — instantly know if it's deductible under HK IRD rules.
New
📷
Receipt scanner
Photograph a receipt — AI extracts merchant, amount, and category automatically.
New
🔄
Recurring invoices
Auto-generate and send monthly, weekly, or quarterly invoices. Never recreate the same invoice again.
New
🏛
MPF tracker
Track Mandatory Provident Fund contributions — 5% capped HK$1,500/mo — tax deductible.
New
💯
Financial health score
One number 0–100 reflecting your tax reserve, paid invoices, deductions, and overdue status.
✦
New
Weekly AI financial insights
Every week, Flo surfaces one specific observation — a tax reserve gap, an overdue invoice, a missed deduction. This is what brings you back even when you're not invoicing.
Live calculator
Know your tax bill
before it arrives

Drag the sliders. See your HK Profits Tax estimate update instantly.

Annual incomeHK$600,000
Deductible expensesHK$80,000
Estimated tax bill
HK$42,900
Save per month
HK$3,575/mo
Gross incomeHK$600,000
Deductible expenses− HK$80,000
Assessable profitHK$520,000
Tax rate8.25%
Estimated taxHK$42,900
Effective rate7.2%
First HK$2,000,0008.25%
Above HK$2,000,00016.5%

Estimates only. Consult a qualified HK CPA for precise advice.

Pricing
Simple, honest pricing

Start free. Upgrade when Flo saves you more than it costs.

Starter
HK$0/mo
Build the habit, no commitment
5 invoices / month
Basic cashflow view
Tax reserve calculator
20 expenses / month
Send invoices by email
AI weekly insights
Auto reminders
Most popular
Pro
HK$88/mo
Full financial clarity for active freelancers
Unlimited invoices + send by email
Client payment links
Recurring invoices
Receipt scanner (AI)
Client address book
Auto payment reminders
MPF tracker
FPS details on invoices
Financial health score
Weekly AI insights
Tax season add-on
HK$398/yr
One-time annual boost for IRD filing
Full P&L export PDF
IRD-ready deduction report
Tax year cashflow export
AI tax review session
Report ready for your CPA
Also: Pro Annual — HK$799/year (save HK$257)

Stop guessing about your taxes

Join HK freelancers who finally know where they stand

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Good morning

May 2026 · FY2025/26

Revenue YTD
—
Paid invoices
Tax Reserve
—
—
Outstanding
—
—
Health Score
—
Financial fitness
Cashflow — 6 months
Outstanding invoices
Timeline

Invoices

Manage and track all invoices

New Invoice

Client
Details
Line items
Description
Hrs
Rate
SubtotalHK$0
Total dueHK$0

No Profits Tax on invoices — paid separately to IRD.

Invoice

Clients

Address book

Recurring Invoices

Auto-generate and send on schedule

Auto-sends on schedule
Flo generates and emails invoices automatically. You receive a notification each time.

Expenses

Total expenses
—
Deductible
—
Tax saved est.
—
@ 8.25%
Expense log
By category
AI Classifier

Tax Reserve Planner

HK Profits Tax · FY2025/26

Assessable Profit
—
Est. Tax Bill
—
8.25%
Monthly to save
—
Your figures
Auto-filled from data
HK$
HK$
HK$
Tax Deadlines
Provisional tax — 1st instalment
FY2025/26
Aug 2026
Final + 2nd provisional
Nov 2026
Profits Tax return
FY2025/26 filing
Jun 2027
Reserve progress
Reserved: —Target: —

0%

Tax bill
—
Shortfall
—
Eff. rate
—
Monthly
—
HK Profits Tax Rates
First HK$2,000,0008.25%
Above HK$2,000,00016.5%

Estimates only. Consult a CPA.

MPF Tracker

強積金 · 5% income, max HK$1,500/mo · Tax deductible

MPF contributions reduce your tax bill
Mandatory Provident Fund payments are fully deductible under HK Profits Tax. Flo adds them automatically.
Monthly contribution
—
YTD total
—
Tax saving est.
—
MPF Settings
HK$
Contribution log
May 2026 contribution
Due by end of month
—due
Apr 2026
Paid 28 Apr
HK$1,500paid

Financial Health Score

Updated daily · 每日更新

—
/100
—
Score breakdown
How to improve

Cashflow Analytics

Revenue YTD
—
Expenses YTD
—
Net Profit
—
Outstanding
—
Revenue vs Expenses — 6 months
Overdue invoices

AI Insights

Ask Flo AI

Settings

Profile
Subscription
Free plan
Limited features
Active
Reminders
Overdue reminders
Auto-email clients
Weekly AI digest
Every Monday 8am