Kiso: Financial Clarity

Luxboros

About this app

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.