New

Meet Kioro Copilot 2.0

Money that manages itself.

Kioro connects your accounts, cards and bills, then uses AI to forecast cash flow, cut waste and move money where it works hardest.

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See how it works

No monthly fees

Bank-grade security

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Kioro

Overview

Accounts

Cards

Budgets

Copilot

Settings

Good morning, Alex

Here’s your money at a glance.

Ask Copilot anything…

Total balance

4.2%

$48,250.32

Net worth · last 12 months

Spending this month

Nov

$2,184

of $3,000 budget

Groceries

$742

Dining out

$518

Transport

$326

Japan trip

Goal · May 2027

$3,180

of $5,000

Rent · Oct 28

$2,100.00

Spotify · Oct 30

$11.99

Recent activity

View all

Blue Bottle Coffee

Dining · Today, 9:14 AM

Auto-categorized

−$6.50

Payroll · Northwind Labs

Income · Yesterday

+$4,820.00

Uber

Transport · Oct 17

Auto-categorized

−$18.20

Everlane

Shopping · Oct 16

−$84.00

Trusted by 2.4 million people and finance teams at

Stripe
Shopify
Notion
Linear
Vercel
Revolut
Wise

Features

Everything your money needs, in one intelligent place.

Kioro replaces five finance apps with one calm, AI-native workspace for spending, saving and planning.

AI COPILOT

Ask your money anything.

Plain-English answers, forecasts and one-tap next steps, grounded in your real accounts.

Copilot

Online

Can I afford the Japan trip in May?

Yes. Move $180 a month from dining out and you’ll hit $5,000 by April 28, two weeks early.

Set it up

Show the plan

CASH-FLOW FORECAST

See 90 days ahead.

Spot a tight month weeks early and fix it in two taps.

Balance forecast

90 days

$6,420

projected Jan 31

Low balance Dec 14 · move $300 from savings?

AUTO-SAVE

Rules that save for you.

Round-ups, paydays and windfalls flow into goals on their own.

Round-ups

+$38 this month

Payday · save 10%

Next run Friday

Windfalls · 50%

Bonuses and tax refunds

VIRTUAL CARDS

A card for every subscription.

Set a limit per merchant and freeze it the moment a price creeps up.

Kioro

•••• 4821

Netflix card

Frozen

Monthly limit

$15.49 of $15.49

SUBSCRIPTION RADAR

Nothing sneaks past.

Duplicate charges, price hikes and forgotten trials, flagged before they cost you.

Spotify Premium

Price up from $10.99

+$1.00

FitLife Gym

Charged twice in Nov

Refund $39

Canva Pro trial

Ends in 2 days

Cancel

How it works

From scattered accounts to a financial autopilot in three steps.

Most people spend hours a month in spreadsheets and banking apps. Kioro does the busywork, so you only make the decisions that matter.

Connect your accounts

Link banks, cards and investments securely with read-only access. It takes about 60 seconds.

Chase

Amex

Vanguard

+12,000 more

Let Copilot learn

Kioro studies your income, spending patterns and goals to build a living model of your finances.

You spend 18% more on weekends. Want a soft cap of $120?

Put money on autopilot

Approve smart moves once, then let rules save, invest and pay bills for you, every month.

On payday, save 10%

Next run Friday · $264

2.4M+

People and teams on Kioro

$8.1B

Managed every month

32%

Average boost in savings rate

4.9/5

Rating across 60K reviews

Savings calculator

See how fast your goals grow.

Drag the sliders to see how round-ups and auto-save rules get you there sooner.

Your planCustomizeStarting balance$1,500Monthly savings$400Savings goal$12,000

Payday rule10% of each payday

Kioro members save 32% more on average with round-ups and auto-save rules.

Soft green hills in morning light

You reach your goal5 months sooner.

On your own2 yr 3 mo

With Kioro1 yr 10 mo

Your monthly savings$400Payday rule+$40/moRound-ups+$38/moVault interest+$179/yr

Saving $478 / month instead of $400

Security

Built like a bank. Private like a vault.

Your data is encrypted end to end, your deposits are protected, and Copilot only ever suggests. Nothing moves without your approval.

256-bit AES encryption

At rest and in transit, always.

SOC 2 Type II

Audited every year by third parties.

FDIC insured

Up to $250,000 via partner banks.

Read-only by default

We never sell or share your data.

Rolling hills covered in wildflowers under a cloudy sky

Protection is on

Last security check 2 minutes ago

Biometric loginActive

Card freeze in one tapActive

Fraud monitoring 24/7Active

Trusted devices onlyActive

Why Kioro

Five apps and a spreadsheet, or one calm place.

Everything you used to stitch together by hand, done quietly in the background.

The old way

Kioro

Every account in one view

Five logins

Forecast for the next 90 days

Guesswork

Savings that move on rules

Manual transfers

Price hikes and duplicate charges caught

Found months later

Answers in plain English

Spreadsheet formulas

Setup time

A weekend

2 minutes

Integrations

Works with the money tools you already use.

Connect 12,000+ banks, cards and brokerages, then plug Kioro into the apps where your money already moves. Read-only by default, revocable in one tap.

12,000+

banks and cards

40+

app integrations

60 sec

average setup

Connect your accounts

Stripe

PayPal

Apple

Google

Revolut

Wise

Shopify

Square

Slack

Notion

Klarna

Zapier

Reviews

Loved by people who’d rather not think about money.

Real people, real accounts, unpaid. Already on Kioro? Tell us how it’s going.

Write a review

4.9/5

“I finally have a rainy-day fund. A real one.”

One payday rule in March, and I stopped thinking about it. By August there was $6,200 sitting there. I didn’t feel a single month of it.

Plus memberAmara L.Leeds, UK

5/5

“It found $412 I was quietly losing every year.”

Two gym memberships and a streaming service I forgot existed. The radar flagged all three in the first week and cancelled them with one tap.

Kioro memberLeo M.Lisbon, Portugal

4.8/5

“Copilot said yes to Japan. Then showed me how.”

I asked if I could afford the trip in May. It moved $180 a month from dining out and I’m on track two weeks early. No spreadsheet involved.

Plus memberMaya O.Toronto, Canada

5/5

“Four banks, one screen, zero Sunday admin.”

Moving money between accounts used to eat an afternoon. Now the rules do it while I make coffee, and I only look when something needs me.

Kioro memberKenji M.Osaka, Japan

4.7/5

“The forecast saw my tight month before I did.”

Six weeks of warning is the difference between a quiet fix and a panic. It suggested moving one bill and the dip never happened.

Beta memberSofia B.Munich, Germany

4.9/5

“Month-end close went from a weekend to 20 minutes.”

We run the whole studio’s spending through Kioro cards. Every receipt is matched and categorised before I even open the laptop.

TeamsPriya S.Austin, USA

4.8/5

“My freelance months finally feel predictable.”

Income swings used to scare me. Now Kioro smooths it out with a buffer rule, and I always know what I can spend this week.

Plus memberDiego R.Valencia, Spain

5/5

“We stopped arguing about the shared card.”

Every bill splits itself and we both see the same number. Our Sunday money chat now takes ten minutes, tops.

Kioro memberHannah & Tom W.Bristol, UK

4.9/5

“Three weeks in, it caught a double charge.”

A hotel billed us twice. Kioro flagged it the same morning and I had the refund before I would have even noticed.

Kioro memberAisha K.Toronto, Canada

4.9/5

“I finally have a rainy-day fund. A real one.”

One payday rule in March, and I stopped thinking about it. By August there was $6,200 sitting there. I didn’t feel a single month of it.

Plus memberAmara L.Leeds, UK

5/5

“It found $412 I was quietly losing every year.”

Two gym memberships and a streaming service I forgot existed. The radar flagged all three in the first week and cancelled them with one tap.

Kioro memberLeo M.Lisbon, Portugal

4.8/5

“Copilot said yes to Japan. Then showed me how.”

I asked if I could afford the trip in May. It moved $180 a month from dining out and I’m on track two weeks early. No spreadsheet involved.

Plus memberMaya O.Toronto, Canada

5/5

“Four banks, one screen, zero Sunday admin.”

Moving money between accounts used to eat an afternoon. Now the rules do it while I make coffee, and I only look when something needs me.

Kioro memberKenji M.Osaka, Japan

4.7/5

“The forecast saw my tight month before I did.”

Six weeks of warning is the difference between a quiet fix and a panic. It suggested moving one bill and the dip never happened.

Beta memberSofia B.Munich, Germany

4.9/5

“Month-end close went from a weekend to 20 minutes.”

We run the whole studio’s spending through Kioro cards. Every receipt is matched and categorised before I even open the laptop.

TeamsPriya S.Austin, USA

4.8/5

“My freelance months finally feel predictable.”

Income swings used to scare me. Now Kioro smooths it out with a buffer rule, and I always know what I can spend this week.

Plus memberDiego R.Valencia, Spain

5/5

“We stopped arguing about the shared card.”

Every bill splits itself and we both see the same number. Our Sunday money chat now takes ten minutes, tops.

Kioro memberHannah & Tom W.Bristol, UK

4.9/5

“Three weeks in, it caught a double charge.”

A hotel billed us twice. Kioro flagged it the same morning and I had the refund before I would have even noticed.

Kioro memberAisha K.Toronto, Canada

Pricing

Less admin. More possibility.

Start with the essentials, or make room for a more connected financial life.

Free

$0

For a clearer everyday overview.

Connected account overview

Spending categories

Monthly money summary

Get started

$9 / month

For more intentional saving and planning.

Everything in Free

AI planning and insights

Goals and recurring bill tracking

Get started

Teams

Let’s talk

For people building together.

Shared financial overview

Team workflows

Guided onboarding

Talk to us

Prices in USD. No hidden fees, cancel anytime.

Journal

Calm reads on money and life.

Saving

6 min read

How to build an emergency fund on an uneven income

Freelancers and shift workers can still build a real safety net. Start with one month, then let rules do the rest.

Budgeting

4 min read

Subscriptions are the new impulse buy

Small monthly charges hide well. Here is a ten-minute audit that finds the ones you forgot about.

Lifestyle

5 min read

A calmer way to plan a big trip

Turn one big number into a few quiet monthly moves, and arrive without a credit card hangover.

FAQ

Questions, answered.

Can’t find what you’re looking for? Our team replies in under five minutes, every day of the week.

Talk to our team

Is my money safe with Kioro?

Yes. Deposits are held with FDIC-insured partner banks up to $250,000, all data is encrypted with 256-bit AES, and Kioro never sells your data.

How does the AI Copilot work?

Copilot analyzes your transactions to spot patterns, forecast cash flow and suggest actions in plain language. It only suggests, and you approve every move.

What does Kioro cost?

The Personal plan is free forever. Kioro Plus is $8 per month and adds unlimited automations, virtual cards and priority support.

Which banks can I connect?

Over 12,000 banks, credit unions, cards and brokerages across the US, UK and EU, all through secure read-only connections.

Can I cancel anytime?

Yes. Cancel in two taps from settings. No fees, no phone calls, and you can export all of your data whenever you like.

Free forever plan

Let AI do the heavy lifting for your finances.

Join 2.4 million people who spend less time managing money and more time enjoying it. Setup takes two minutes.

Get started free

Book a demo