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Set the goal
Name what you are planning for and the target you want to reach.
Early UK beta in 2026. Join the waitlist for early access.
Stay on track for the life you’re planning.
Niio connects your real income, spending, bills and upcoming plans to your future goals — so today’s spending does not quietly pull you off course.
Turn goals into a monthly planSee if you’re on or off trackPlan around expensive months before they happen
Built for people planning houses, weddings, travel, career changes, business runway and bigger financial goals.
Goals fail when monthly money is unclear
People often know what they want to work toward, but not how today's spending affects the plan. Niio links day-to-day money decisions to whether you are still on track.
Goals connected to income
Each payday can include money for the future, not only bills and spending.
Plans connected to timing
Known costs and important dates are part of the monthly plan.
Spending connected to progress
Safe-to-spend is shown in the context of the goal you are protecting.
Connect today’s spending to tomorrow’s plans
Niio turns future goals into a practical monthly plan, then keeps the plan visible as the month unfolds.
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Add known costs and timing
Include the dates, milestones and expensive months you already know about.
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Allocate money when income lands
Give the goal a real place in the month instead of hoping there is money left over.
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Track progress through the month
See whether spending, bills and plans are still aligned with the target.
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Adjust before you drift
Spot pressure early and rebalance the month before the goal quietly slips.
For the expensive seasons of real life
Big goals rarely happen in calm, average months. Niio helps you plan around the costs and life events that usually knock good intentions off course.
House depositsWeddingsHolidaysMovingRenovationsCareer breaksBusiness runwayChildrenTaxIrregular costs
A monthly plan that keeps you honest
Niio gives you a clear view of what is safe to spend now while protecting the goal you care about. You can enjoy the present without losing sight of the future.
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.