FREE Personal finance, finally honest.

Your bank
balance lies.
Flou doesn't.

Your bank ignores loans, subscriptions, and upcoming bills. Flou shows what you actually have left to spend.

Join waitlist
Freeforever
No banklinking
Your datastays yours

Current balance

€0

0
Good ↑
Income
+€2,400
Expenses
-€650
Loans
-€230

2 months of consistent savings. Your financial habits are building.

Projected balance €0 ↑
Everything included · Free forever

Built around
one number

Every feature in Flou protects a single number: what you can actually spend without missing a commitment, a bill, or a savings goal.

Financial health

78 /100

Good · Room to grow

Savings rate

18%

Debt load

31%

Budget adherence

OK

Cash buffer

4.2×

Sub sprawl

7 active

Pay car loan → +7 pts

Loan tracker

Car loan Due today
€5,200
35%
€2,800 / €8,000 May 2025
Personal loan €2,800
61%
€4,400 / €7,200 Aug 2026

Debt-free: Aug 2026

Subscriptions

Netflix

Billing day 1

€15.99

/mo
Spotify

Billing day 5

€9.99

✓ Charged
Adobe CC

Billing day 15

€29.99

/mo

Monthly total

€161.00

Spending limits

Food 82%
€246 Limit €300 €54 left
Shopping 123%
€246 Limit €200 +€46 over
Transport 59%
€89 Limit €150 €61 left

Savings goals

3 active

Japan trip

Sep 2025

€1,360

/ €2,000

68%

Emergency fund

€2,250

/ €5,000

45%

New laptop

Done

€1,200

/ €1,200

100%

Notifications

3 unread

Payment confirmed

Car loan · instalment 8 of 36 paid

Budget alert

Shopping reached 80% of your limit

New transaction

Laura added €78 · Supermarket

AI-powered

Voice entry

"€45 at Mercadona" → logged and categorised instantly

Receipt scan

Photo a receipt or bank screenshot — parsed in seconds, no typing

Chat advisor

Knows your real numbers. Specific, honest answers about your money

Shared finances

Your finances,
together

Couples, families, housemates. Create a shared workspace and everyone sees the same balance, the same commitments, the same reality. No more "I thought you paid that."

  • Invite members by email or shareable link
  • Editor or view-only roles per member
  • Your personal workspace always stays private
  • Instant alerts when anyone adds or changes something
H
Home with Marta
3
A

Notifications 3 unread

New expense

Marta added Groceries · -€48

2 minutes ago

Instalment paid

Marta paid Car Loan · €250

1 hour ago

New subscription

Marta added Disney+ · €8.99/mo

Yesterday

Marta joined the workspace

3 days ago

Skip the App Store. Just open the URL.

Add Flou to your home screen from Safari or Chrome — it runs like a native app, works offline, and updates itself silently.

iOS
Android
CLOSED BETA · 200 SPOTS

Stop guessing
Join the beta

Flou is launching as a closed beta. Drop your email and we'll invite you personally as soon as a spot opens up.

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