Saldio
Personal finance, multi-currency

Your money,
in balance.

Saldio brings budgets, transactions, net worth and trends together — across currencies and workspaces — synced securely in the cloud.

See features
Budgets & net worthEvery expense & incomeMulti-currency
saldio.ai/summary
Annual balance
€5,853▲ 42%
Income
€32,298
Expense
€26,445
Savings
18.1%
Oct+€700
Nov+€180
Dec+€1,120
Aug−€810
Saldio AIthis month
2 duplicate subscriptions found
Netflix billed twice — cancel one to save €168/yr
Dining out is up 22%
vs your autumn average — mostly weekends
On track for Casa Madrid 2027
Add €40/mo to finish 4 months early
Invest, matched to youModerate profile
VWCE
Vanguard FTSE All-World
Aligned with your goals · low fee
+11.2%1yr

Search any stock or ETF — Saldio scores it against your risk profile, goals and real cash flow.

€0
Free to start — no card
30s
To your first dashboard
10 yrs
Of history, to the cent
8-in-1
Modules, one app

Everything your spreadsheet did — and more

Eight modules that used to live in a dozen tabs, now one connected app.

Budgets & spending
Monthly budgets vs actual, recurring-expense detection, and a clear where-it-went breakdown.
Multi-currency
Track EUR, BRL and more together — everything converts to your base currency.
Net worth & accounts
Every account and asset in one place, with a live net-worth total.
Trends & insights
Multi-year income, expenses, savings rate and month-over-month deltas.
Goals & planning
Savings goals and a planning module with tested financial formulas.
Workspaces
Separate Personal and Business finances — switch in one click.

Start in 30 seconds.

Sign in with Google and your dashboard is ready — sample data to explore, nothing to install.