Kiso: Financial Clarity

Kiso tells you the truth about your money.

Not a budget spreadsheet. Not a bank feed. A financial counselor that computes your health score from real data and shows you exactly what to work on next.

HOW IT WORKS

Enter your income and housing costs. Kiso builds your Foundation, a waterfall budget that flows through four pillars: Housing, Needs, Wants, and Savings. Each pillar has its own allocation, tags, and spending history.

Log transactions in your Ledger. Kiso tracks what you spend, closes each month automatically, and computes your Financial Health Score from 7 factors:

• Housing Ratio: is your rent sustainable? • Emergency Runway: how many months could you survive? • Savings Rate: are you building wealth? • Spending Discipline: are you staying within your plan? • Retirement Trajectory: are you on track? • Income Viability: how does your income compare? • Income Concentration: is your income diversified?

Each factor is Healthy, Warning, or Critical. Your overall status ranges from Thriving to Critical. Kiso's Counsel engine reads your score and gives you one clear, prioritized piece of advice. No noise, no guilt.

WHAT MAKES KISO DIFFERENT

• No bank connections. You control what goes in. • No account required. Your data stays on your device. • No ads, no premium tier. Free during beta. • Works in English and French. • Designed for serenity, not anxiety.

Set up in under 60 seconds. See your Foundation. Start building clarity.