Kiso: Financial Clarity

Kiso is a financial counselor that tells you the truth about your money. Enter your income, set your housing costs, and Kiso builds your Foundation, a waterfall budget flowing through four pillars: Housing, Needs, Wants, and Savings. Log transactions in your Ledger. Kiso tracks spending, closes each month automatically, and computes your Financial Health Score from 7 real factors: • Housing Ratio: is your rent sustainable? • Emergency Runway: how many months could you survive without income? • Savings Rate: are you building wealth? • Spending Discipline: are you staying within your plan? • Retirement Trajectory: are you on track for financial independence? • Income Viability: how does your income compare to the median? • Income Concentration: do you depend on a single source? Each factor is rated Healthy, Warning, or Critical. Your overall status ranges from Thriving to Critical. Kiso's Counsel engine gives you one prioritized, actionable insight, not a wall of charts. What makes Kiso different: • No bank connections needed. You enter what matters. • No account required. All data stays on your device. • No ads. No premium tier. Free during beta. • Fully localized in English and French. • Recurring bills and income with smart reminders. • Custom and predefined tags for every spending category. • Monthly snapshots with pillar and tag breakdowns. • Budget allocation modes: automatic, bill-based, or custom. Designed for people who want financial clarity without the chore. Set up in under 60 seconds. Kiso, the Foundation of your financial serenity.