Your money,
Your control
All in one place
Track every IN and OUT, plan smarter, and manage your financial life for personal, family, and beyond. Powered by AI.
Everything you need to master your money
From recording daily transactions to planning your financial future, all in one place.
Inflow and Outflow
Take full control of your money. Record every income and expense instantly by typing, scanning a receipt, or just talking to ino AI. Organize everything into multi smart pockets by purpose
- Quick Entry - log a transaction in 3 seconds
- Voice & Chat via ino - "spent 50k on lunch" done
- AI Receipt Scan - point camera, upload, auto-recorded
- Bulk Entry & Bank Statement Upload - multi entries in one go
- Multi Pockets - Bank, Wallet, Travel, Household, Savings
- Multi Currency - 170+ currencies supported
Plan, Budget & Target
Stay in Control
- Stop guessing where your money goes. Set clear targets and budgets per pocket and category iO tracks your progress and alerts you before you overspend.
- Pocket Targets - inflow & outflow goals per pocket
- Category per Budget - Groceries, Transport, Dining
- Bill Reminders - rent, subscriptions, utilities
- Savings Mission - trip fund, emergency fund, goals
- Progress History - monitor and review your progress
ino AI - Smart financial assistant
always with you
- Just talk or type. ino records transactions, analyzes your finances, and gives personalized insights like having a financial assistant and advisor in your hand
- Create by voice or chat - 'spent 80k on groceries'
- Ask & Analyze - "What are my top 3 expenses?"
- Capture & Convert - scan receipts, auto-logged
- AI Insights & Reco - proactive nudges
Collaborate with
- Family, Friends & People
- Share any pocket with anyone spouse, kids, friends, or a trip group. Everyone sees the same picture, everyone stays on the same page. iO makes shared money transparent and easy
- Shared Pockets - household, trip, community fund
- Role Permissions - Admin, Collaborator, Viewer
- Shared Goals & Budget - work toward goals together
All iO Personal features
Every feature designed for real financial life. Current and coming soon.
Track & Record
Quick Entry
Log any income or expense in seconds, fast, frictionless
Chat to ino AI
Type to ino, it understands and creates the entry
Talk to ino AI
Talk to ino, it understands and creates the entry
AI Receipt Scan
Point camera at receipt or upload, iO reads and records
Bank Statement upload
Upload bank statement to create multiple entry at once
Bulk Entry upload
Upload iO excel template to create multiple entry at one go
Manual Entry
Full-detail entry with category, notes, attachments, pocket
Auto Entry from Bills
Automatically create entries from completed bills
Recurring Entries
Auto-repeating entries for salary, rent, subscriptions
Save as Draft
Save unfinished records before turning them into entries
Image Attachment
Attach images and receipts to your entries
Multi Currency
Support various global currencies
Smart Pocket & Organization
Multi Pocket
Multiple pockets by purpose or Self, Bank, Household, Savings
Multi Purpose Pocket
Flexible pocket for any purposes (i.e financial, monitoring)
Category Management
Organize entries with customizable categories
Search & Filter
Quickly find and filter entries with ease
Calendar View
View entries in a simple calendar format
Share Entry
Share entries instantly with others
Copy & Move Entry
Copy or move entry to different pocket
Multiple Pockets Entry
Create entry in multiple pockets at one go
Collaborate with People
Shared Pockets
Collaborate and manage finances together in a pocket
Role Permissions
Control access with customizable member roles
Split Bill
Split bills and share costs effortlessly
Send Bill to Members
Send bills to pocket members or anyone
Entry Comments
Discuss and collaborate directly on each entry
Chat at Pocket
Chat and collaborate directly within each pocket
Shared Target Budget
Set and track financial goals together
Shared Items
Utilize items together in shared pockets
Plan, Budget & Control
Target per Pocket
Set financial goals and track progress by pocket
Budget per Category
Set income and spending targets for each category
Inflow Outflow Recap
Get a clear overview of your total income and expenses
Alerts & Notif
Stay updated with smart reminders and notifications
Bill Reminder
Never miss upcoming bills and due dates
Subscription Reminder
Get reminders for upcoming subscriptions payment
Create Shopping List
Create draft entries as your shopping list
Set Mission
Set missions and stay motivated toward your goals
Understand & Insight
Overview Chart
Visualize your financial activity with easy-to-read charts
iO Score
Measure and improve your financial health with iO Score
AI Insight
Get AI-powered insights and summaries for each pocket
Ask ino AI
Ask ino AI for insights, answers, and financial assistance
Pocket Report
Generate detailed reports for every pocket in excel
Download Report
Download reports anytime for easy sharing and analysis
Share Insight & Report
Share insights and reports with your team or family
Report Template
Use ready-made templates for faster and clearer reports
Embedded Financial Services
QRIS Payment
Accept QRIS payments seamlessly through partners
Card Payment
Accept Visa and Mastercard payments through partners
Other Digital Payment
Accept other digital payments through partners
Custom Payment Method
Create and use your own custom payment methods
Linked Pocket to Wallet
Connect your iO pockets directly to digital wallets
Linked Pocket to Bank
Connect your iO pockets directly to bank accounts
Account Opening
Open financial accounts directly within iO app
Financial Services
Access loans, insurance, investments, and others