Good morning
May 2026 · FY2025/26
SAFE TO SPEND TODAY
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After setting aside tax, MPF and outstanding commitments
Revenue YTD
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Tax reserved
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Outstanding
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Tax Reserve Gap
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Outstanding
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Health Score
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Financial fitness
Cashflow — 6 months
Outstanding invoices
Timeline
Invoices
Manage and track all invoices
New Invoice
Create a professional HK invoice
Client
Details
Line items
Description
Hrs
Rate (HK$)
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 on your set schedule.
Expenses
Total Expenses
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Deductible
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Tax saved est.
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@ 7.5%
Expense log
By category
AI Classifier
Tax Reserve Planner
HK Profits Tax · FY2025/26 ·
Assessable Profit
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Est. Tax Bill approx.
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7.5% rate
Monthly to save
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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
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Shortfall
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Eff. rate
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Monthly
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HK Profits Tax Rates
First HK$2,000,0007.5%
Above HK$2,000,00015%

Estimates only. Consult a qualified HK CPA.

MPF Tracker
強積金 · Mandatory Provident Fund
💡 Why MPF matters for your tax bill
As a self-employed person in HK, you must contribute 5% of your relevant income to MPF — capped at HK$1,500/month (max income HK$30,000). Below HK$7,100/month you are exempt.
The full contribution is 100% deductible from Profits Tax, saving you ~7.5% of every dollar contributed.
Monthly obligation
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5% of income
YTD contributed
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— months
Annual max
HK$18,000
HK$1,500 × 12
Tax saving est.
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@ 7.5%
Your MPF Settings
HK$
IRD Rules
Income brackets
Below HK$7,100/mo → Exempt
HK$7,100–HK$30,000/mo → 5% of income
Above HK$30,000/mo → HK$1,500 fixed
Key dates
Enrol within 60 days of self-employment
Pay by last day of each month
FY runs April to March
Tax deduction
Deduct up to HK$18,000/year from Profits Tax assessable income
Contribution log
May 2026
Due by 31 May
—due
Apr 2026
Paid 28 Apr
HK$1,500paid
Financial Health Score
Updated daily · 每日更新
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/100
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Score breakdown
How to improve
Cashflow Analytics
Revenue YTD
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Expenses YTD
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Net Profit
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Outstanding
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Revenue vs Expenses — 6 months
Overdue invoices
AI Insights
Ask Flo AI
Settings
Profile
Sets your Profits Tax rate across the entire app. Change anytime.
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Data & Export

Your complete financial data — invoices, expenses, tax records. 7-year retention per IRD requirements.