Flo HK — Never get surprised by Hong Kong provisional tax again
HK Profits Tax Calculator
Know exactly how much HK Profits Tax to set aside each month. Correct 8.25% and 16.5% rates for sole proprietors and partnerships. Never be surprised by an IRD provisional tax bill again.
Professional Invoicing for HK Freelancers
Create and send professional invoices with FPS payment details. Track paid, unpaid and overdue invoices. Auto-generate recurring invoices monthly, weekly or quarterly.
MPF Mandatory Provident Fund Tracker
Track your Mandatory Provident Fund contributions. 5% of income capped at HK$1,500 per month. Fully tax deductible under HK Profits Tax.
Features
HK Profits Tax Reserve Calculator with correct 8.25% and 16.5% rates
Professional invoice creation with FPS payment details
AI expense deduction classifier for HK IRD rules
MPF contribution tracker
Financial health score
Weekly AI financial insights
Receipt scanner with AI extraction
Recurring invoice automation
Bilingual English and Traditional Chinese 繁體中文
IRD tax deadline reminders
Pricing
Starter plan free. Pro plan HK$88 per month. Tax season add-on HK$398 per year.
flo-hk.com · Built for Hong Kong freelancers · 香港自由職業者財務管理系統
Built for Hong Kong freelancers · 專為香港自由職業者
Never get surprised by Hong Kong provisional tax again
Know exactly what is safe to spend today. Invoices, tax reserve, expenses and cashflow — built specifically for HK freelancers.
No credit card requiredCorrect 8.25% HK Profits TaxBilingual EN / 繁中Free tier available
🔒 AES-256 encrypted
🇭🇰 PDPO compliant
☁ Cloudflare infrastructure
📋 7-year data retention
📤 Export your data anytime
⛔ No bank access required
Features
Financial calm, not just software
Built around one idea: always know exactly what is safe to spend today.
Core
🏦
Tax Reserve Estimator
Know exactly how much to set aside each month. Correct 8.25%/16.5% HK Profits Tax rates — not the wrong 17% most tools use.
New
📊
Financial Health Score
One number 0–100 reflecting your tax reserve, paid rate, deductible ratio, and overdue invoices.
📧
Send Invoices by Email
One click sends a professional invoice with FPS payment details to your client.
New
🧾
AI Deduction Classifier
Describe any expense — instantly know if it's deductible under HK IRD rules, with confidence scoring.
New
📷
Receipt Scanner
Photograph a receipt — AI extracts merchant, amount, and category automatically.
New
🔄
Recurring Invoices
Auto-generate and send monthly, weekly, or quarterly invoices. Never recreate the same invoice again.
Complete interface in English and Traditional Chinese. Switch instantly. Every AI response in your language.
✦
Weekly Financial Brief
New
Every Monday, Flo gives you a concise summary — revenue received, tax reserve status, overdue invoices, client concentration risk. One brief, once a week. This is what keeps you financially aware even when you are not actively invoicing.
Live Calculator
Know your tax bill before it arrives
Drag the sliders. See your HK Profits Tax estimate update instantly.
Annual incomeHK$600,000
Deductible expensesHK$80,000
Estimated tax bill
HK$42,900
Save per month
HK$3,575/mo
Gross incomeHK$600,000
Deductible expenses− HK$80,000
Assessable profitHK$520,000
Estimated taxHK$42,900
Effective rate7.2%
First HK$2M8.25%
Above HK$2M16.5%
Estimates only. Not financial advice. Consult a qualified HK CPA.
Pricing
Simple, honest pricing
Start free. Upgrade when Flo HK saves you more than it costs — usually by the first tax season.
Starter
HK$0/mo
Build the habit. No commitment.
5 invoices per month
Basic cashflow view
Tax reserve calculator
20 expenses per month
Email invoice sending
AI weekly insights
Auto reminders
Most popular
Pro
HK$88/mo
Full financial clarity for active freelancers.
Unlimited invoices + email sending
FPS payment links on invoices
Recurring invoice automation
Receipt scanner (AI)
Auto payment reminders
MPF tracker
Financial health score
Weekly AI insights
AI financial assistant
Best value
Pro Annual
HK$799/yr
HK$1,056Save HK$257
Everything in Pro, 2 months free.
Everything in Pro
2 months free vs monthly
Priority support
Lock in current price
🗓
Tax Season Add-on
August each year · once only
Unlock when IRD notices land in July. Full P&L export, IRD-ready deduction report, CPA-ready format, AI tax review session.
HK$398
one-time · per year
Stop guessing about your taxes
Join HK freelancers who finally know where they stand
Flo HK
Sign in to your account
Flo HK · 香港自由職業者財務管理
or sign in with email
or
Enter a code to unlock Pro features for free
Don't have an account? Sign up free · 免費註冊
← Back to website
Good morning
May 2026 · FY2025/26
SAFE TO SPEND TODAY
—
After setting aside tax, MPF and outstanding commitments
Revenue YTD
—
Tax reserved
—
Outstanding
—
Tax Reserve Gap
—
—
Outstanding
—
—
Health Score
—
Financial fitness
Cashflow — 6 months
Outstanding invoices
Timeline
Invoices
Manage and track all invoices
New Invoice
Create a professional HK invoice
Client
Details
Line items
Description
Hrs
Rate (HK$)
SubtotalHK$0
Total dueHK$0
No Profits Tax on invoices — paid separately to IRD.
Invoice
Clients
Address book
Recurring Invoices
Auto-generate and send on schedule
Auto-sends on schedule
Flo generates and emails invoices automatically on your set schedule.
Expenses
Total Expenses
—
Deductible
—
Tax saved est.
—
@ 8.25%
Expense log
By category
AI Classifier
Tax Reserve Planner
HK Profits Tax · FY2025/26
Assessable Profit
—
Est. Tax Bill
—
8.25% rate
Monthly to save
—
Your figures
Auto-filled from data
HK$
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
—
Shortfall
—
Eff. rate
—
Monthly
—
HK Profits Tax Rates
First HK$2,000,0008.25%
Above HK$2,000,00016.5%
Estimates only. Consult a qualified HK CPA.
MPF Tracker
強積金 · 5% income, max HK$1,500/mo · Tax deductible
MPF contributions reduce your tax bill
Mandatory Provident Fund payments are fully deductible under HK Profits Tax. Flo adds them to deductions automatically.
Monthly contribution
—
YTD total
—
Tax saving est.
—
MPF Settings
HK$
Contribution log
May 2026 contribution
Due by end of month
—due
Apr 2026
Paid 28 Apr
HK$1,500paid
Financial Health Score
Updated daily · 每日更新
—
/100
—
Score breakdown
How to improve
Cashflow Analytics
Revenue YTD
—
Expenses YTD
—
Net Profit
—
Outstanding
—
Revenue vs Expenses — 6 months
Overdue invoices
AI Insights
Ask Flo AI
Settings
Profile
Subscription
Free plan
Limited features
Active
Data & Export
Your complete financial data — invoices, expenses, tax records. 7-year retention per IRD requirements.