Hilio Money & Mood Tracker

Hilio is built for people who don’t want personal finance to feel like homework.

Connect your accounts and see where your money actually goes. Was that $34 at Uber Eats stress spending? A treat-yourself moment? Payday energy? Or just adulting?

Tag the story behind each purchase and start seeing the patterns behind your money habits.

Transactions sync automatically and sort into Essentials, Lifestyle, and Future — so you see your money in terms of how you actually live, not just merchant names and dates.

Over time, Hilio helps you understand when you spend more, what triggers it, where your money goes, and how your habits compare with people in your city and stage of life.

Get weekly money recaps that feel more like a story than a bank statement. See the moments, habits, and surprises behind your spending without digging through charts.

No “stop buying coffee” lectures. No guilt trips. No spreadsheets.

Just a clearer way to understand why you spend the way you do.

What you get:

• Securely connect your bank accounts and credit cards
• Automatically sync and sort your transactions
• See spending across Essentials, Lifestyle, and Future
• Tag purchases with moods, emotions, and context
• Spot patterns like late-night spending, payday spikes, and stress splurges
• Get weekly visual money recaps
• Compare your habits with people like you
• Track subscriptions and recurring bills
• Understand the why behind your spending, not just the what

Security and privacy:

• Bank-level security
• Read-only access. Hilio can’t move your money.
• We never store your banking credentials
• We never sell your data to third parties

Free to download. No credit card required.