YouPersona
Ứng dụng quản lý dòng tiền
Free · Designed for iPad
Know exactly what you can safely spend today. Log expenses in 3 seconds by AI chat, voice, or receipt scan, auto-allocate into 6 Wealth Jars, and master your net
worth.
Master your personal and business cashflow with YouPersona — the AI-powered Financial Cockpit that tells you exactly what you can safely spend today without
touching your bill reserves, loan installments, or savings goals.
Most budget apps only show you where your money went after you overspend. YouPersona proactively calculates your daily Safe-to-Spend allowance in real time by
automatically deducting upcoming fixed obligations, debt payments, and wealth allocations from your liquid balances.
KEY FEATURES
• Daily Safe-to-Spend Cockpit
Instantly see your true spendable allowance for today. YouPersona automatically factors in your monthly budget, fixed bills, loan installments, and savings targets
so you always stay on track.
• 3-Second Logging via Luti AI (Chat, Voice & Receipt OCR)
Stop filling out tedious forms. Simply type or speak naturally — "Coffee $6.50 and groceries $48" — or snap a photo of any receipt or bank transfer slip. Luti AI
automatically extracts merchants, amounts, dates, and categories in seconds.
• 6-Jar Wealth Allocation System
Build disciplined wealth automatically. Split your income across the internationally proven 6-Jar framework: Necessities (55%), Financial Freedom (10%), Education
(10%), Long-Term Emergency Buffer (10%), Play (10%), and Give (5%) — or customize percentages to fit your lifestyle.
• Unified Multi-Account Ledger (Personal & Business)
Track bank accounts, e-wallets, credit cards, cash, and investment vaults in one executive workspace. Switch seamlessly between Personal and Business modes with
instant balance reconciliation.
• Smart Debt, Loan & Installment Tracker
Monitor mortgages, auto loans, 0% card installments, and personal debts with precision. Track principal vs. interest breakdown, payoff progress bars, remaining
terms, and early-payoff simulations.
• Proactive Recurring Bills & Obligation Radar
Never get surprised by auto-renewals, rent, utilities, or credit card due dates. View your monthly obligation calendar and mark recurring bills as paid with a
single tap.
• Financial Runway & Executive Analytics
Measure your true financial resilience. Visualize 6-month income vs. expense trends, net savings velocity, category burn rates, and how many months of emergency
runway your liquid reserves cover.
• Multilingual & Multi-Currency Ready
Designed for global clarity with native support for 9 languages (English, Vietnamese, Japanese, Korean, Simplified Chinese, Traditional Chinese, Spanish, French,
and German) and flexible currency formatting.
PRIVACY & SECURITY FIRST
Your financial data belongs strictly to you. YouPersona uses encrypted cloud synchronization and strict access isolation so your ledger remains private, accurate,
and accessible across your iPhone and iPad.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Welcome to YouPersona v6.0 — The Horizon Executive Cockpit Update:
• New Swipeable Horizon Scaffold: Effortlessly swipe left and right across your 4 core financial pillars — Cockpit, Cashflow, Ledger, and Allocation — with
synchronized top capsule navigation and a responsive 2-column iPad Pro layout.
• Upgraded Luti AI Omnibar: Log multiple transactions at once via natural chat, voice input, or instant AI Receipt OCR scanning, plus one-tap smart financial health
prompts across 9 languages.
• Enhanced Safe-to-Spend & 6-Jar Engine: Real-time reconciliation between liquid accounts, 6 Wealth Jars, loan amortization schedules, and recurring bill reminders.
• Multi-Viewport & Accessibility Polish: Crisp typography, zero-truncation adaptive cards across all iPhone and iPad screen sizes, and faster startup performance.
The developer, NIDO HOLDINGS NEXT GENERATION COMPANY LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- NIDO HOLDINGS NEXT GENERATION COMPANY LIMITED
- Size
- 113.9 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
User-Generated Content
- Copyright
- © 2026 YouPersona