A cash-flow app built in Greenville
Flo started as a personal tool. Every finance app we tried was good at reporting the past and bad at the one question that matters when you live out of a checking account: if I spend this today, does a bill bounce three weeks from now?
The first version ran one account, every day, for months. What survived became Flo Forecast: one safe-to-spend number measured against a floor, and bills and paychecks learned once and matched to your bank automatically. It has since grown to cover how people actually pay: credit cards billed weeks later, loans to pay down, savings with a goal, and a budget that shows where the month is heading.
Who's behind it
Flo is made by JustJoshin LLC in Greenville, South Carolina. Its founder has experience in healthcare technology, including cybersecurity, where handling sensitive information carefully is part of the everyday work. Flo gets the same care. It never sees your bank login, your data is encrypted and locked to your account, and the math behind every forecast is checked by hundreds of tests.
What Flo is
- A forecast for the accounts you live out of: checking, credit cards, savings and loans, over the next twelve months.
- A budget that checks itself against the forecast: what's happened, what's planned, and where the month is heading.
- A heads-up, not a surprise: before your balance dips below your floor, and before a card payment is due.
- Read-only. It connects through Plaid or Apple Wallet, sees balances and transactions, and can't move money.
- Simple: one home screen, one number, everything else a tap away.
What Flo isn't
- A net-worth tracker, an investing app, or a bank.
- A source of financial advice. Flo shows you your own numbers; what you do with them is yours.
Get in touch
Questions, feedback, or press: support@floapp.app. We read everything.