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Income lands
Start with what actually arrived and when the next payday is due.
Early UK beta in 2026. Join the waitlist for early access.
Know exactly what you can spend after payday.
Niio turns your income, bills, credit cards, savings goals and upcoming plans into one clear monthly money plan — so you know what is actually safe to spend.
Plan your payday in minutesSee your real safe-to-spend numberStay ahead of bills, goals and expensive months
Built for UK professionals who want payday clarity without another spreadsheet.
Your balance is not your budget
A bank balance can look healthy while bills, credit cards, future plans and savings goals are still waiting. Niio accounts for the full picture before showing what is actually safe to spend.
Committed money
Bills, subscriptions and credit cards are separated before flexible spending starts.
Future money
Savings goals and upcoming plans stay visible when income lands.
Flexible money
The amount left is grounded in your month, not a guess from today's balance.
The payday planning loop
Niio connects the moving parts of your month into a simple loop you can check whenever you need clarity.
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Bills and credit cards accounted for
Known commitments are set aside before they become mid-month surprises.
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Savings and goals allocated
Goal contributions are planned alongside the rest of the month.
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Upcoming plans included
Holidays, weddings, travel, house costs and other known expenses are brought into view.
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Safe-to-spend calculated
You get a realistic number for flexible spending that updates as the month changes.
Built for real months, not perfect months
Some months are heavier than others. Niio is designed to adapt your plan around real life instead of pretending every month is neat and identical.
HolidaysWeddingsMovingChristmasCar costsBirthdaysSocial plansHouse expenses
Less checking. More confidence.
Niio reduces the mental load of switching between accounts, spreadsheets and notes. You can see what needs attention, what is already covered and what you can spend without quietly drifting off track.
Your money status, explained.
Niio gives you a simple monthly status with the context behind it: what is going well, what needs attention, and what to adjust next.
Trust-first, by design.
Niio is being built to help you understand and plan your money clearly, with privacy-conscious data handling and clear boundaries around what the product does.
Open Banking through authorised providers
Designed for major UK banks
Read-only planning views
No money movement without explicit action
Informational guidance, not financial advice
FAQ
The short answers, upfront.
1Is Niio a bank?
No. Niio is a personal finance app designed to help you understand your money, plan your month, and stay on track.
2Does Niio give financial advice?
No. Niio provides informational guidance and planning support. It does not provide regulated financial advice.
3What does safe-to-spend mean?
It is an estimate of what you can spend after accounting for income, bills, credit cards, savings goals and upcoming plans.
4Is beta access free?
Yes. The initial beta is free while we learn from early users.
5Is this UK only?
The initial beta is designed for UK users and GBP accounts.
6Will Niio move money for me?
No. Niio helps you understand and plan. It will not move money or make changes without your explicit action.