How it works
Clarity in six steps.
From your numbers to a clear picture: what you can safely spend, what's coming, and what your decisions change.
The flow
01
Add your picture
Tell MONEYOS your income, balance, fixed costs, savings target and the buffer you want to keep. Add transactions as they happen. (Bank connections are planned, not available yet.)
02
See what's safe to spend
Available to spend = balance − upcoming bills − remaining planned savings − your safety buffer.
03
Look ahead
Forecasts from 7 days to 12 months show where your balance is heading, with uncertainty stated plainly.
04
Get alerted to patterns
Money Detective flags price increases, new recurring payments, duplicate-looking charges, spikes and goals falling behind.
05
Try decisions first
What If runs a purchase, a raise or a new saving plan on a copy of your finances, and shows what changes.
06
Ask
The assistant answers questions like “Can I afford this?” using the same calculations — then explains them in plain language.
Product preview
Try it with sample data.
This preview uses the MONEYOS demo dataset — not a real person's finances.
Available to spend
3 201 SEK
Balance 18 450 SEK − bills, savings and buffer
Cash flow this month
0 SEK
0 SEK in · 0 SEK out
Safety buffer
3 000 SEK
Your projected balance stays comfortably above your safety buffer.
Goal · New computer
6 200 SEK of 10 000 SEK · behind pace
Goal · Emergency fund
11 400 SEK of 20 000 SEK · behind pace
Forecast · 90 days
≈ 51 000 SEK