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.
01
Connect your accounts
Link banks, cards and investments securely with read-only access. It takes about 60 seconds.
Chase
Amex
Vanguard
+12,000 more
02
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?
03
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
Free forever plan
Join 2.4 million people who spend less time managing money and more time enjoying it. Setup takes two minutes.