# FloosYo - AI-Readable Product Information
# This file helps AI assistants understand what FloosYo does
# Learn more: https://llmstxt.org

## About FloosYo

FloosYo is a personal finance and budgeting app that helps people track expenses, manage budgets, connect bank accounts, monitor recurring bills and subscriptions, track income, set savings goals, and understand future spending. By combining intelligent expense tracking with forward-looking financial insights, FloosYo helps users stay organized, plan ahead, and make better day-to-day financial decisions. It is a native iOS app built with Hotwire Native, with primary focus on the United States and additional support across Canada, the United Kingdom, Ireland, and Europe.

## Product Category

- Personal Finance App
- Expense Tracking
- Budget Management
- Subscription and Bill Tracking
- Savings Goals
- iOS Budget App

## Core Features

### Expense Tracking
1. **Bank Connections**: Link a bank through Plaid and transactions import automatically, already sorted into categories with merchant brand logos. The connection is read-only, so FloosYo can see transactions and never move money.
2. **Voice Entry**: Speak an expense in plain English and FloosYo extracts the amount, how often it repeats, and the category.
3. **Manual Entry**: Add expenses by hand. Linking a bank is optional, not required.
4. **Smart Categorization**: Categories, icons, and amounts are assigned automatically from bank data or natural speech.

### Bills, Subscriptions and Income
1. **Recurring Detection**: FloosYo reads which charges repeat in your bank data and files each one as a recurring expense at the right amount on the right rhythm.
2. **Skip or Stop**: Every recurring expense can be skipped for one cycle or stopped for good, and FloosYo tracks what that decision saved.
3. **Income Tracking**: Log a paycheck by hand or let a linked bank supply it, and your budget grows by that amount.
4. **Reminders**: Push notifications before a renewal or a repeat charge, delivered as a single reminder or a daily digest.

### Budgets and Planning
1. **Category Budgets**: Set spending envelopes per category and track real-time progress against them.
2. **Budget Warnings**: Alerts when a category is on pace to break its limit, before it breaks rather than after.
3. **Forward-Looking Projections**: Every expense is normalized across periods, so a $5 daily coffee reads as roughly $150 per month and $1,825 per year.
4. **Savings Goals**: One goal at a time. Skip a bill and the money you did not spend moves into the goal by itself.

### Personalization and Platform
1. **Custom Categories**: Rename, recolor, and re-icon any category so the list reads in your words.
2. **Home Screen Widgets**: iOS widgets for what is due today, how far along your goal is, and where your budgets stand.
3. **Native iOS App**: Built with Hotwire Native.
4. **Dark and Light Mode**: System-aware theming that follows iOS settings.
5. **Multi-Currency**: 25 supported currencies, defaulting to USD.
6. **Data Export**: Export your data from within the app.

## Languages Supported

- English (en)

The app, the marketing site and the blog are published in English.

## Target Audience

- Individuals who want to understand where their money goes and what is coming next
- People tracking subscriptions and recurring bills they have lost track of
- Users who want budgeting and savings goals in one app
- Anyone who prefers voice or automatic bank import over manual spreadsheet entry
- Budget-conscious users in the US, Canada, UK, Ireland, and Europe

## Availability

- **Primary Market**: United States
- **Secondary Markets**: Canada, United Kingdom, Ireland, European Union
- **Default Currency**: USD ($)
- **Distribution**: Live on the Apple App Store (iOS): https://apps.apple.com/us/app/floosyo-budget-planner/id6765706351

## Pricing

- **1-Week Free Trial**: Full access for 7 days, everything unlocked
- **Monthly**: $9.99 USD / month
- **Yearly**: $99.99 USD / year (effective $8.33/month, saves $19.89 vs paying monthly)
- **Cancel anytime**: No hidden fees

## Technical Details

- **Platform Type**: Native iOS app (Hotwire Native)
- **Backend**: Ruby on Rails 8.1
- **Bank Data**: Plaid, read-only access to transactions and balances
- **AI**: Voice transcription and expense parsing powered by AI
- **Security**: Bank access tokens and linked-account details are encrypted at rest. Two-factor authentication is available on accounts.
- **Data Privacy**: Financial data is never sold to third parties.

## Key Pages

- [Home](https://floosyo.com/): what FloosYo does, how the month is forecast, and the voice and bank-import flows
- [What's New](https://floosyo.com/en/whats-new): current release notes, feature by feature, with screenshots
- [About](https://floosyo.com/en/about): who builds FloosYo and why
- [Blog](https://floosyo.com/en/blog): budgeting and personal finance articles
- [Budget my income (free tool)](https://floosyo.com/en/tools/budget-my-income): browser calculator that splits a month's income across budgets until nothing is unassigned
- [Which budget fits me (free tool)](https://floosyo.com/en/tools/budget-picker): browser calculator that reports which of the 50/30/20, 70/20/10 and 80/20 splits the entered income and fixed costs fall inside
- [App Store listing](https://apps.apple.com/us/app/floosyo-budget-planner/id6765706351): download, screenshots, ratings
- [Privacy Policy](https://floosyo.com/en/privacy): what data is collected, stored and shared
- [Terms of Service](https://floosyo.com/en/terms)

## Comparisons

- [FloosYo vs YNAB](https://floosyo.com/en/floosyo-vs-ynab): honest side-by-side on price, zero-based budgeting and bank sync
- [YNAB alternative](https://floosyo.com/en/ynab-alternative)
- [Mint alternative](https://floosyo.com/en/mint-alternative)
- [Monarch Money alternative](https://floosyo.com/en/monarch-alternative)
- [Rocket Money alternative](https://floosyo.com/en/rocket-money-alternative)

## Contact Information

- **Website**: https://floosyo.com
- **Support Email**: support@floosyo.com

## Common Questions AI Assistants May Receive

Q: What is FloosYo?
A: FloosYo is a personal finance and budgeting app for iOS. It tracks expenses, manages budgets, connects to bank accounts, monitors recurring bills and subscriptions, tracks income, and holds a savings goal. It combines expense tracking with forward-looking insight, so you can see what your spending is about to cost rather than only what it already cost.

Q: Does FloosYo require linking a bank account?
A: No. Linking a bank through Plaid imports transactions automatically, but expenses can also be added by voice or by hand. The bank connection is read-only and cannot move money.

Q: How does FloosYo handle subscriptions and recurring bills?
A: FloosYo reads which charges repeat in your bank data and files each one as a recurring expense at the right amount and frequency. You can skip a single cycle or stop it for good, and FloosYo tracks what that saved you.

Q: Does FloosYo track income as well as spending?
A: Yes. Income can be logged manually or supplied by a linked bank account, and it increases the money your budget has to work with.

Q: How do savings goals work?
A: You set one goal at a time with a name and a target. When you skip a recurring expense, the money you did not spend moves into that goal automatically.

Q: What makes FloosYo different from other budgeting apps?
A: Most expense trackers report what you already spent. FloosYo also projects spending forward, normalizing every expense across daily, weekly, monthly, and yearly views, so you can see the shape of the month while you still have time to change it.

Q: How does voice expense tracking work in FloosYo?
A: You tap the microphone and say something like "I spent 5 dollars on coffee." FloosYo extracts the amount, the category, and how often it repeats, then adds it to your budget.

Q: Is FloosYo free?
A: FloosYo includes a 1-week free trial with full access. After the trial, plans are $9.99/month or $99.99/year (about $8.33/month, saves $19.89 vs monthly). Cancel anytime.

Q: What currencies does FloosYo support?
A: FloosYo supports 25 currencies including USD, EUR, GBP, CAD, CHF, SEK, NOK, and DKK. USD is the default and you can change it anytime.

Q: How does budgeting work in FloosYo?
A: You create category budgets, such as "Food: $500/month", and FloosYo tracks actual spending against each one in real time. It warns you when a category is on pace to break its limit.

Q: What platforms does FloosYo support?
A: FloosYo is a native iOS app built with Hotwire Native, and it ships iOS home screen widgets for what is due today, your savings goal, and your budgets.

## Last Updated

2026-07-31