UK beta in 2026. Join the waitlist for early access.

UK beta waitlist

Know what you can safely spend this pay cycle.

Niio turns your real transactions into a clear Left to Spend number, plus a money mood avatar that shows what to fix next.

Read-only by defaultActions require confirmationNot financial advice

Simplicity that earns trust.

Everything is designed to answer one question: what can I safely spend right now?

Left to Spend

The decision number you actually need, for the rest of this cycle.

Pay-cycle budgeting

Set your reset day. Stop fighting calendar months that don't match real life.

Money mood, explained

A simple status with receipts: what's going well and what to fix next.

How it works in 10 seconds.

Niio accounts for what you earn, what you owe, and what you want to save, then turns it into one trusted number.

IncomeBillsSubscriptionsGoalsSpending=Left to Spend

Why pay-cycle budgeting?

Monthly budgets fail when your pay day does not match the calendar. Niio starts your cycle when you get paid, then keeps you oriented with one number and one focus.

Traditional monthly budgets

Reset on the 1st, not when you get paid
Feel behind even when you are fine
Hard to trust when bills land mid-cycle

Niio pay-cycle budgeting

Reset day aligned to your pay cycle
Bills and subscriptions accounted for
Clear Left to Spend for the rest of the cycle

Avatar->Tap for insights->Chat with Niio

Be part of the first wave of AI-assisted finance apps designed for UK young adults.

A financial mood with receipts.

Not vibes. A simple status you can trust, tied to real numbers and explainable next steps.

Struggling

Mood

Cash is tight and surprises hurt.

Next: Get back to certainty fast.

Coping

Mood

You're getting by, but it's fragile.

Next: Stay ahead of bills and subscriptions.

Stable

Mood

You're in control and consistent.

Next: Turn steady into momentum.

Growing

Mood

You've got slack and options.

Next: Make surplus intentional.

Thriving

Mood

You're disciplined and ahead.

Next: Spot drift early and stay on form.

Ask Niio. Get answers with context.

Niio can explain your spending, subscriptions, and trends, then help you decide what to do next.

Tool-backed answersConfirmation-gated actionsAudit logging

All your money in one place.

Everyday, savings, and investments together, so you can make decisions without tab-hopping.

Everyday balances
Savings pots
Investments (stocks & crypto)

Trust-first, by design.

We are building Niio to be calm, transparent, and control-first. We do not sell personal data.

Encrypted at rest

Read-only by default

Confirmation-gated AI actions

Get early access

Join the beta waitlist. It is free.

FAQ

The short answers, upfront.

1Is Niio free?

Beta access is free. We expect a free tier and optional premium later.

2Is Niio a bank?

No. Niio is a personal finance app designed to help you understand spending capacity and net worth.

3Is this financial advice?

No. Niio provides informational guidance based on your data, not financial advice.

4Will the AI change anything without asking?

No. Any actions that would change data require explicit confirmation.

5Who's behind Niio?

A small team building a trust-first personal finance app. You'll get more details as the beta rolls out.

6Which banks are supported?

We connect to major UK banks via Open Banking. Exact availability can vary by provider.

7How do you use my data?

We build trust-first. We don't sell personal data. We use data to compute your metrics and provide explainable insights.

8Is it UK only?

For the initial beta: yes. The product experience is GBP-centric today.