Insights, not just numbers

A financial health score, with the reasons

A score out of 100 sits above plain-language notes: how much of your income you kept, how steady your spending is, how many budgets held, and how many months your income covered your costs.

It explains your expensive month

Financio finds the month that cost you most and the category behind it, then takes you straight to those expenses. You start from the answer instead of a spreadsheet.

Compare two years

Pick any two years and see which categories grew, which shrank and by how much, with the exact difference for expenses or income.

• Year-over-year growth by category
• Top subcategories side by side
• The drivers behind the change

It finds your bills and learns your categories

Payments that repeat in your history are suggested as recurring bills, with the usual amount. Categories are suggested from your own past transactions.

A plain-language monthly status

"This month is lighter: expenses are 13% below last month and cashflow stays positive." A sentence instead of a wall of figures, with the savings rate and cashflow trend underneath.