Flo HK — See How It Works

Scene 1 — Dashboard

One number. Always clear.

Every morning you open Flo HK and see exactly what's safe to spend today — after tax reserve, MPF, and outstanding invoices.

flo-hk.com · Dashboard

Mon 26 May · FY2025/26

SAFE TO SPEND TODAY

HK$34,820

After setting aside tax, MPF and outstanding commitments

Revenue YTD

$248K

↑ 12% vs last yr

Tax reserved

$18,600

On track ✓

Outstanding

$12,000

2 invoices

Health Score

82

/100 · Good

Scene 2 — Tax Reserve

Never get surprised
by an IRD bill again.

Flo HK automatically calculates your provisional tax reserve every month using the correct HK Profits Tax rates — 7.5% and 15% for sole proprietors.

flo-hk.com · Tax Reserve

Assessable profit

$186,000

Est. tax bill

$13,950

Monthly to save

$1,163

Effective rate

7.5%

Reserve progress · FY2025/26

Reserved: $9,304

Target: $13,950

66% complete

📅

Next deadline: Aug 2026 — Provisional tax 1st instalment. You have 3 months. Keep saving $1,163/mo and you'll be fully covered.

Scene 3 — Invoices

Professional invoices
with FPS in seconds.

Create and send a professional HK invoice with FPS payment details in one click. Clients pay faster when the payment info is right there.

flo-hk.com · Invoice #INV-047

Flo HK

Tax ID: BR 12345678

Invoice #INV-047
Issue: 26 May 2026
Due: 9 Jun 2026

Bill to: Acme Corp Ltd · Central, HK

Brand Strategy Workshop (8hrs)$12,000

Social Media Content Pack$4,800

Monthly Retainer — June$8,000

Total DueHK$24,800

💳 FPS: 9123 4567 · faster pay

✉️

Sent to client
[email protected] · 2 min ago

This invoice

$24,800

Tax to reserve

$1,860

Auto-added ✓

Tax reserve updated automatically from this invoice.

Scene 4 — Weekly Brief

Every Monday.
Your financial pulse.

Flo AI sends you a concise weekly brief — revenue received, tax status, overdue invoices, and any risks worth knowing about. One brief, once a week.

flo-hk.com · AI Insights

✦ Weekly Financial Brief · Mon 26 May

Revenue this week+$24,800 received

Tax reserveOn track · 66% ✓

Outstanding invoices2 invoices · $12,000

MPF this month$1,500 due 31 May

Client concentration⚠️ Acme Corp = 58%

🟠

Client concentration risk: Acme Corp accounts for 58% of your YTD revenue. If they reduce scope, your income drops significantly. Consider diversifying your client base this quarter.

✦

Good week overall. Tax reserve is on track for the August deadline. Your effective rate of 7.5% is correct for your income level.

Scene 5 — 繁體中文

完全雙語。
EN / 繁中一鍵切換。

Every screen, every AI response, every invoice — fully available in Traditional Chinese. Switch instantly, no reload needed.

flo-hk.com · 繁體中文

週一 26 五月 · 2025/26年度

今日可安全使費

HK$34,820

已扣除稅務儲備、強積金及未付款項

年度收入

$248K

稅務儲備

$18,600

待收款項

$12,000

財務評分

82分

✦ 每週財務簡報 · 週一 26 五月

本週收入+$24,800 已收

稅務儲備進度正常 · 66% ✓

未收發票2張 · $12,000

Your financial OS for
Hong Kong freelancers

One number. Always clear.

Never get surprised
by an IRD bill again.

Professional invoices
with FPS in seconds.

Every Monday.
Your financial pulse.

完全雙語。
EN / 繁中一鍵切換。

Ready to have financial clarity?

Your financial OS forHong Kong freelancers

One number. Always clear.

Never get surprisedby an IRD bill again.

Professional invoiceswith FPS in seconds.

Every Monday.Your financial pulse.

完全雙語。EN / 繁中 一鍵切換。

Ready to have financial clarity?

Your financial OS for
Hong Kong freelancers

Never get surprised
by an IRD bill again.

Professional invoices
with FPS in seconds.

Every Monday.
Your financial pulse.

完全雙語。
EN / 繁中一鍵切換。