Your financial life, in order.
FLIO, short for Financial Life In Order, brings all your accounts, cards, investments, and assets into one place, then uses AI to turn your numbers into clear decisions: what happened, what's coming, and what to do about it.
7-day free trial · no credit card required
You know how much you made this month. But do you know where it went?
Your paycheck lands, the bills go out, the card bill closes, and you still don't know. Every app tells you a little piece of the story; none of them tells you the whole thing. Adding it all up by hand, every month? Life's too short for that.
Understanding is the first step.
01Clarity
Connect your banks. FLIO AI organizes what comes in.
The first relief is seeing it all together. You connect the account once, and FLIO AI recognizes what arrives: the subscription becomes a recurring payment, the 10× purchase becomes an instalment plan, and a transfer between your own accounts stops looking like a phantom expense. It acts on its own when it is sure, and asks when it is not.
✓Open Finance
Brazil's regulated bank-connection network keeps your accounts and cards current, with nothing to type.
✓Bank that can't connect?
OFX statement uploads and manual accounts cover the rest, down to the cash in your wallet.
Automatic categorization
Transactions are categorized automatically by FLIO AI, and don't worry, when it isn't sure it checks with you ;)
iFood
Uber Ride
McDonald's
02Planning
Nothing idle. Everything with a destination.
What is left in the account disappears without you noticing. Here what you want to achieve becomes a goal, and what is already on the calendar leaves the account before it becomes a shock.
Goals
The best part of having a goal isn't the day it arrives. It's no longer wondering whether it ever will.
- Planned by FLIO AIAnswer the basics about your goal and FLIO AI brings back the target amount, the deadline, and how much to save each month. That simple.
- Realistic numbersNo guesswork. FLIO lands on current, realistic numbers, so you plan with figures that still hold up when the day comes.
What do you want to reach?
FLIO AI is building your plan…
Next 6 months
Car insurance
R$ 2.400
School fees
R$ 1.800
Gifts
R$ 1.200
Vehicle tax
R$ 3.100
Planned expenses
No big expense comes out of nowhere. It only feels like a surprise because nobody counted the months until it.
- Warned in advanceFLIO reminds you weeks ahead, while there is still time to set the money aside, not when there isn't.
- Already deductedEvery planned expense leaves the month it lands in. What FLIO shows you as free is genuinely free.
03Expense breakdown
Where every real of the month went.
Not every expense is the same. FLIO separates what repeats, what you put on instalments, what was already planned and what simply happened. At the end you see what came in, what went out and what is left.
Recurring
Your fixed bills: water, power, internet and rent.
R$ 3.400
Variable
What does not repeat: groceries, restaurants, transport.
R$ 2.200
Planned
The big costs you already knew were coming.
R$ 1.200
Instalments
The instalments still running.
R$ 750
04Projections
A tight month shows itself on the 5th, not on the 28th.
Every day FLIO redoes the math: what has gone out, what your current pace implies, and where the month will land. You don't find out at the end, you watch it happen.
On this screen
- 1Allocated budgetThe ceiling you set yourself, every category added up. It is the line everything else is measured against.
- 2Total expensesEverything that has actually left the account so far, dated. Not an estimate, what really happened.
- 3Spending against timeThe outer arc is how much of the budget is gone. The inner one is how much of the month is. When the outer one runs faster, you see it before it breaks.
- 4The line that keeps goingThe solid stroke is what you have spent. The dotted one is where the month ends if nothing changes, next to the same stretch of last month.
- 5The month in four numbersWhat you can still spend per day, your current average, where the month closes, and how that compares with the month before.
05Your assets
You own more than your statement shows.
The car in the garage, the apartment, the watch you bought five years ago: all of it is wealth, and all of it vanishes from the total when it lives outside the app. Add it once: FLIO keeps the value current on its own, each type from the right source.
FIPE table
Vehicles
Enter make, model and year once. The value then tracks the FIPE table, refreshed every month, depreciation included, which is the part that usually catches people out.
Onix 1.0 · 2019R$ 58.400−8,2%over the last 12 monthsFipeZAP index
Property
Appreciation follows your city's FipeZAP index, month by month. Instead of a guess that ages badly, the property tracks its own market.
72m² flat · PinheirosR$ 812.000+6,4%over the last 12 monthsAnnual rate
Valuables
Jewellery, watches, collectibles, expensive electronics, anything worth enough to count. You set an annual appreciation rate and FLIO applies it on its own, year after year.
Watch · since 2021R$ 74.500+3,0%every year
07Net worth
What you have built so far.
We know what it takes to build this: years of saving, investing and resisting the urge to spend. FLIO does none of that for you. But it brings it all into one place and shows, month by month, how far you have come.
Net worth
R$ 861.100
+4,2%over the last 12 months
Last 12 months
Cash
R$ 32.400
The day to day, always in view.
Investments
R$ 78.700
Crypto, stocks, funds and fixed income, valued daily.
Assets
R$ 750.000
Your vehicles, property and valuables.
06Insights
Like having a friend who is good with money.
FLIO is that friend. It knows your situation: what comes in, what goes out, what changes from one month to the next, your habits. And it gives you advice through the month, with no judgement and no lecture. It is financial intelligence working in your favour.
Will I make it through the month?
At your current pace, your projection shows a R$ 1.240 balance at month end. That accounts for your recurring expenses and the payments already scheduled.
Based on 6 months of history
Smart notifications
reminders that help you keep your data current.
Weekly pulse
a short read on the week just gone and the month's pace.
Monthly report
a full read of the month that closed, and what it says about the next one.
Suggested actions
not just the diagnosis: the next step, with the amount it frees up.
Security & privacy
Sync without handing over your password. AI without handing over your data.
Your password never passes through FLIO. The connection only reads, it never moves money. And the AI works from summarized totals.
- AES-256 encryption
- LGPD compliance
- Open Finance connection
- Read-only, always
FLIO is for you if…
- You have more than one account and more than one card, and no view of the whole.
- You want to know where your money goes each month, without becoming an accountant.
- You want to plan what is coming without relying on guesswork.
- You would rather be told what to do than shown another chart.
- You want to know what you are actually worth: accounts, investments, car, property.
- You never want to open a spreadsheet again.
Recognize yourself in two or more? FLIO was built for you.
Plans
Pay for the connection, never for the intelligence.
The AI, the projections, the insights, the goals, the net worth: all of it, on every plan. The only difference is how your data gets in: by statement upload or by automatic sync.
Flex
R$ 17,99/month
Any bank, on your terms.
OFX statement uploads + manual accounts. No Open Finance connection.
Join the listConnected
R$ 29,99/month
Your banks update themselves. Nothing to type.
Open Finance with up to 3 connected accounts + OFX + manual accounts.
R$ 12 more than Flex, and your transactions come in on their own.
Join the listProfessional
R$ 49,99/month
For people juggling personal accounts, a business, and a stack of banks.
Unlimited connected accounts + OFX + manual accounts.
Join the listWe are opening in batches.
FLIO is in early access. Join the waiting list today and we will email you as soon as it is your turn. Everyone let in during this phase gets 7 days to try it, with no credit card, and picks a plan afterwards.
Questions we answer head-on
Is it safe to connect my bank?
Yes. The connection runs through a regulated Open Finance provider: your password is entered there, never in FLIO. Access is read-only and can be revoked whenever you want.
Does the AI see my data?
For insights and projections, the AI receives only summarized totals: how much went to each category, how the month behaved. Your name and your accounts are not sent. The exception is receipt scanning: if you photograph one, the image goes to the AI so the items can be read, along with whatever is printed on it. Scanning receipts is optional.
I don't have time for another app.
FLIO was built precisely for people who don't. After the guided setup, transactions arrive, categorize themselves, and fall into place on their own. Your job becomes opening the app and deciding.
Why not a spreadsheet or a free app?
A spreadsheet records the past, and only while you keep feeding it: it charges you in time what it doesn't charge in money. FLIO reads your patterns and projects your coming months on its own. It's the difference between logging and anticipating.
Does it work with my bank?
If your bank is on Brazil's Open Finance network, it connects directly. If it isn't, you upload OFX statements and create manual accounts. Nothing gets left out of the picture.
Why isn't there a free plan?
We'd rather give you everything for 7 days than a little forever. After the trial, any plan costs less than the money it helps you keep.
Trade anxiety for strategy.
You don't need more willpower. You need clarity. When you understand your spending, see your net worth, and know what's coming, something shifts: you can look at your numbers without fear. Seven days is enough to feel it, with your accounts, your months, your money.
Stop decoding statements. Start deciding.
7-day free trial · no credit card required
Start today. In order.