Kiso: Financial Clarity
Budget, track, understand
Free · Designed for iPad. Not verified for macOS.
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.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Pockets are here in the Plan tab (formerly Budget).
Set money aside for what's coming, with goals, a starting amount, and contributions you can adjust anytime.
Your Emergency Fund now lives in Pockets.
You can now rename and delete your tags (see Profile).
You can also search and filter your transactions, which are grouped by date.
The developer, Rodrigue Coail, 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 Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Rodrigue Coail
- Size
- 44.1 MB
- Category
- Finance
- Compatibility
Requires iOS 18.2 or later.
- iPhone
Requires iOS 18.2 or later. - iPad
Requires iPadOS 18.2 or later. - Mac
Requires macOS 15.2 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.2 or later.
- iPhone
- Languages
- English and French
- Age Rating
4+
- 4+
- Copyright
- © 2026 Luxboros