TIMONE - Finanze Personali

🧭 TIMONE — Take control of your finances

TIMONE is the Italian personal finance app that helps you take control of your money, week after week.

It's not your typical expense tracker: TIMONE combines smart budgeting, automatic analysis, and an AI coach that guides you with personalized advice based on your actual habits.

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✨ WHAT YOU CAN DO WITH TIMONE
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📊 COMPLETE DASHBOARD
View your income, expenses, and savings at a glance. Interactive ring chart, monthly, annual, or total balance. Financial Health Score with a grade from A to F.

🏦 MULTI-ACCOUNT
Manage multiple accounts in a single app: ING, Revolut, Cash, any account. Balance per account, total net worth, transfers between accounts with a tap. Filter by account in the transaction list.

💳 SMART TRANSACTIONS
Add expenses manually or scan a receipt with your camera. Automatic categorization, merchant suggestions, and an inbox for transactions to be completed.

📋 BUDGET BY CATEGORY
Create monthly budgets for each expense category. Automatic separation between fixed expenses (mortgage, bills, subscriptions) and variable expenses. Progress bar and alerts when you approach your limit.

🤖 WEEKLY AI COACH
A personalized 6-week plan with concrete micro-actions. The coach analyzes your finances and suggests what to do: save more, reduce unnecessary expenses, and finance your goals.

🎯 SAVINGS GOALS
Set goals organized by the 4 Pillars: Liquidity, Emergency Fund, Medium Term, and Long Term. Monitor your progress with visual bars and percentages.

🔍 ADVANCED ANALYSIS
15 automatic checks on your finances: post-salary spending spikes, focusing on a single merchant, recurring micro-expenses, budget overruns, and much more. Each insight has practical advice.

🔄 RECURRING AND SUBSCRIPTIONS
Track bills, subscriptions, and payments. Visual calendar with upcoming due dates. Notifications before they're due so you don't forget anything.

👨‍👩‍👧‍👦 HOUSEHOLD AND SHARED EXPENSES
Manage expenses as a couple or family. Invite members, split expenses, and track each person's contribution.

📈 INVESTMENTS (Ultra Plan)
Portfolio tracker with ETFs, stocks, cryptocurrencies, bonds, and PACs. Live pricing, realized and unrealized P&L, integrated Italian taxation (26%, 12.5% ​​on BTPs).

🏠 MORTGAGE SIMULATOR
Calculate installments, compare scenarios, simulate liquidity injections and renegotiations.

↔️ ACCOUNT TRANSFERS
Move money between your accounts in a tap. Two linked lines, automatically updated balance, no impact on budgets and statistics.

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💎 WHY CHOOSE TIMONE
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🇮🇹 100% Italian — categories, taxation, language
🆓 Free forever — all basic features with no time limits
🔒 Privacy first — your data stays yours, no ads, EU servers
🤖 AI Coach — not just numbers, but concrete actions every week
🌙 Dark/Light mode — beautiful day and night
🌐 Multi-platform — also available on the web: timone.app
🏦 Multi-account — all your accounts in one app

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📦 PLANS
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🆓 FREE — Transactions, budget, goals, basic coaching
⭐ PREMIUM — Unlimited AI coaching, advanced statistics, PDF export
💎 ULTRA — Investment tracking, mortgage/subrogation simulator, current account cost analysis, everything Included

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📬 Questions or suggestions? Email us at ciao@timone.app

Made with ❤️ in Italy