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Knowing how much you can spend today is not enough.

Salary, clients, your company, rent. FLIO brings together accounts, cards, investments and assets, shows what you are worth and where you are heading, and suggests the next step before you ask.

Join the list30 days to try it, no credit card
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FLIO's overview on the web: a net worth of R$ 2,079,901, with the chart of the last 12 months and the totals in accounts, investments, assets and cards
FLIO's summary on the phone: R$ 5,929 available in the October budget, the month's projection and the pace alert with a limit of R$ 423 a day
  • Regulated Open Finance
  • Read-only, always
  • AES-256 encryption
  • In line with the LGPD
  • AI with minimal data

Having the clarity to grow, that is what really makes a difference.

01Net worth

Your financial life is bigger than your bank statement.

The apartment, the car, the watch you bought five years ago. FLIO adds it all to your accounts and investments, and updates the values month by month.

Property the city's FipeZAP index Vehicles Tabela FIPE Investments updated every day

AssetsExample
  • ApartmentYour city's FipeZAP indexR$ 612,000+4.4%
  • ValuablesAn annual rate you setR$ 74,500+3.0%
  • CarTabela FIPE, every monthR$ 63,500−8.2%

02Coming months

Today is easy. FLIO looks at the coming months.

Every day FLIO redoes the math: what has gone out, what is planned and when each installment ends. A tight month shows up early, while there is still time to change it.

The month has not even turned, and you have already seen it.

Planned expenses by monthInteractive example
January goes R$ 400 over what is free to plan. Car tax (IPVA), property tax (IPTU) and the trip all land in the same month.
Illustrative simulation.
  1. Today

    End-of-month projection

    Redone every day, at your spending pace.

  2. Coming months

    Planned expenses

    The insurance, the trip, the car tax: set aside in the right month.

  3. Until the last installment

    Financing

    What has been paid, what is left and until when.

03Goals

Every goal with a plan, and a date to get there.

You set the amount and the deadline. The AI works out how much to put aside each month, based on your real costs, and lets you know if the pace changes.

Trip to Chile · 2 peopleExample
SavedR$ 4,790
AI planR$ 799/month
GoalR$ 11,980

On track. At R$ 799 a month, you reach the goal in July.

Even your debts have their days numbered.

Interest stops deciding your month. You know when the last installment ends, and your plans do not sit still waiting for it.

Month by month, the debt shrinks and the way gets clear. When it is over, the money that went to interest already has somewhere to go.

Where the leftover goes · R$ 1,619 in NovemberExample
  • DebtsThe credit card's revolving balance first, then the overdraftR$ 820
  • Goal: Trip to ChileStill on track for JulyR$ 799
  1. R$ 4,100today
  2. R$ 3,280Dec
  3. R$ 2,460Jan
  4. R$ 1,640Feb
  5. R$ 820Mar
  6. paid offApr

Payments already planned Next, once these are paid

04Income tax

The tax return is yearly. The rush does not have to be.

Throughout the year, FLIO sets aside deductible expenses, keeps the receipts and tracks your assets, dependents and income statements. It also gathers the DARFs you paid, such as carnê-leão and capital gains. And it lets you know when the car tax (IPVA) and the property tax (IPTU) are due, with the expected increase.

Less hunting for receipts. More context for you and your accountant.

FLIO does not file the return. It gets everything ready for you or your accountant.

2027 tax returnTax year 2026 · Example
  • Deductible expensesHealth and education, 23 itemsR$ 8,420
  • Receipts attached4 missing19 of 23
  • Assets to declareApartment, car and 2 investments4
  • Dependents2
  • Income statementsThe one from the digital bank is missing3 of 4
  • Tax paid by DARFCarnê-leão and capital gains, 5 paymentsR$ 2,316
Car and home taxes
  • IPVA 2027Due in January · expected +5.2%R$ 1,480
  • IPTU 2027Single payment in January · expected +4.1%R$ 720

05FLIO AI

A chatbot answers what you ask. FLIO shows you what you missed.

A summary every day, a pulse every week, a report and a Flio Score every month. In between, FLIO tells you when something changes, and what you can do about it.

For the alerts, the AI only gets totals, never your accounts.

Good morning

Yesterday: R$ 142 of R$ 180, on target 5 days in a row. Today: up to R$ 195. R$ 4,310 left this month.

See the Dashboard
Yearly increase

Your rent goes up in January: from R$ 2,400 to about R$ 2,508, with the last 12 months of IPCA (+4.5%).

Charged after canceling

The gym charged R$ 119.90 after you ended your plan.

What to do
Price increase

Your music streaming went up 12%: from R$ 21.90 to R$ 24.50. It comes out of your Available, now at R$ 3,870.

Review the bill
Money freed up

The car loan is paid off. From December, R$ 1,240 a month is free.

Set it aside for a goal
Where the leftover went

R$ 640 left over in October: R$ 400 to Vacation trip, R$ 240 to Emergency fund.

See destinationUndo

06The basics

Everything connected in minutes. FLIO organizes it. When in doubt, it asks.

Connecting your accounts is not handing over control.

  • Your password stays with the bank.

    Connect through Open Finance, upload an OFX statement or log what you paid in cash. You choose how your data arrives, and FLIO organizes it the same way.

  • FLIO only reads. It never moves money.

    Read-only access, which you can revoke whenever you want.

  • The AI sees only what each task needs.

    Alerts use totals. Categorization reads each transaction's description. Reading receipts is optional. Data encrypted with AES-256, in line with the LGPD.

  • Open Finance
  • OFX statement
  • Cash account
  • Categorization
  • Budget by category
  • Recurring
  • Receipts and NF-e

FLIO is not for people who only want to know their balance.

It is for people who…

Think about next year, not just next month.

You already know how much you have today. You want to know where you will be six months from now.

FLIO projects the end of the month, sets aside the big expenses in the right month and shows when each installment ends.

Have more than one source of income.

Money came in. How much of it already has a destination?

Clients, a company, rent: money comes from several places. On any plan, business and personal accounts sit together, each in its own corner, and properties count toward your net worth, valued by FipeZAP. The Professional plan connects as many accounts as you need.

Work toward a big plan.

From dream to plan, with an amount per month and a date to get there.

You set the goal. The AI works out how much to set aside each month and lets you know if the pace changes.

Share the home, and the bills, with the family.

Everyone keeps their own. The household bills, split without arguments.

On the Family plan, each adult has a private account and the home has a joint account. Household expenses are split in proportion to each person's income, or however you agree, and FLIO shows who settles up with whom at the end of the month. Children and other dependents join with restricted access and see only their own spending. In the Me/Us view, you see your own money, your share of the home and the family's net worth.

  • Freelancers and contractors
  • Small business owners (MEI)
  • Property owners
  • Visionaries
Also in FLIO

The details that make a difference every day.

  • Look back whenever you want.

    Compare any months you want, side by side: income, spending, categories and net worth. It becomes easy to see what changed between a good month and a hard one.

  • A budget that fits, with alerts.

    Limits per category the way you run your home, and a heads-up when a spending line starts to drift from the plan.

  • Household expenses, split.

    In the joint account, household expenses are split in proportion to income, or however you agree. At the end of the month, FLIO shows how much each person settles.

  • The receipt right next to the purchase.

    Scan the NF-e's QR code or take a photo of the receipt, and it stays saved with the transaction.

  • Price adjustments already planned.

    Rent by the IGP-M, other bills by the IPCA or by a rate of your own. FLIO applies the adjustment in the right month and already shows the new amount in the months ahead.

  • A reminder before every due date.

    With the due day saved, FLIO lets you know before each bill, so nothing goes overdue by accident.

Plans

Pay for the connection, never for the intelligence.

The AI, the projections, the alerts, the goals and your net worth are in every plan. Only how your data arrives and how many people use it changes.

Early access prices: 10% off the first year for anyone who joins now. After that, the regular prices apply.

  • Flex

    R$ 17.99−10% for early access
    R$16.19 /month

    Any bank, your way.

    • Accounts from OFX statements, from any bank
    • A cash account, for what you pay in cash
  • Recommended

    Connected

    R$ 29.99−10% for early access
    R$26.99 /month

    Your banks update without you typing a thing.

    • Open Finance, up to 2 connected accounts
    • OFX statements and a cash account

  • Professional

    Freelancers · MEIs · rentals
    R$ 49.99−10% for early access
    R$44.99 /month

    For people juggling personal and business accounts across several banks.

    • Unlimited connected accounts
    • OFX statements and a cash account

  • Family

    Couples and families · Me/Us
    R$ 69.90−10% for early access
    R$62.91 /month

    What is yours stays yours. What is shared, you both see.

    • A private account for each adult and a joint account
    • Dependents see only their own spending
    • Unlimited connected accounts in all of them
    • Me/Us view and consolidated net worth
Early access offer

Join now and use the Connected plan for 30 days, no credit card.

Then choose your plan with 10% off the first year, monthly or annual. On the annual plan, the 10% comes on top of the discount it already has. Valid for anyone who joins during early access. Cancel any time.

Join the list
Monthly plan
10%off the first year
Annual plan
+10%on top of the 20% the annual plan already has

Questions we answer head-on.

Is it safe to connect my bank?

Yes. You type your password at the regulated Open Finance provider, never in FLIO. Access is read-only and you can revoke it at any time.

Does the AI see my data?

Only what each task needs. Alerts and reports use summarized totals, without your accounts. Categorization reads each transaction's description. Receipt reading, which is optional, sees the whole photo, including the CPF if it is on the receipt.

On the Family plan, does my partner see everything I spend?

No. Each adult has a private account that only they see. The adults see together only the joint account, with the banks, cards and expenses you decide to put in it. Dependents see only their own spending. Each bank account sits in one place only.

Does it work if I work through my own company (PJ)?

Yes. On any plan, your company's accounts and your personal ones sit in the same place, each kept apart. If you have many accounts to connect, the Professional plan has no limit. Owner's pay and company taxes do not have their own screen yet.

And for people who rent out a property?

FLIO values your property with the city's FipeZAP index and adds it to your net worth. The rent you receive shows up as income, with everything else.

Does FLIO file my income tax return?

No. It organizes what the return asks for throughout the year: deductible expenses, receipts, assets, dependents and income statements. When it is time to file, you or your accountant will find everything in place.

Why not use a spreadsheet or a free app?

Spreadsheets record only the past and ask you to type everything. FLIO organizes most of it for you, asks when it is not sure and looks at the months ahead.

Does it work with my bank?

Open Finance banks connect directly. The others come in through OFX statements, and what you pay in cash goes into a cash account.

Why is there no free plan?

You try everything for 30 days, without a card, and decide afterwards. The plans cost less than they help you save.

Stop just tracking spending. Start building wealth.

Join the list30 days to try it, no credit card. We will email you when your turn comes.