Your money in motion, months ahead.
Every transaction sorts itself, and every planned inflow and payment folds into a living cash-flow runway. See where the money goes — and exactly how far it carries you.
Cash-flow runway · 12 months
Safe to spend
$2,140
Low-water
$4,300
Savings rate
36%
Where the money actually goes
Connect everyday accounts over OAuth and watch income and expenses sort themselves — AI categorizes each transaction and learns from every correction, by category and by merchant.
Income in, expenses out — 12 months on one axis.
Last 12 months of spending.
- Housing 31% $3,410
- Groceries 18% $1,980
- Transport 12% $1,320
- Dining 9% $990
- Other 30% $3,300
Each transaction sorted on arrival — corrections teach the next one.
-
W
Whole Foods MarketToday · Checking ••24-$84.20 Groceries
-
S
ShellToday · Credit ••07-$56.10 Transport
-
B
Blue Bottle CoffeeYesterday · Credit ••07-$11.50 Dining
-
C
City Power & LightYesterday · Checking ••24-$142.00 Housing
A runway that plans itself
Loan payments, rent, and paying-out deposit interest fold into a forward cash-flow projection automatically — no spreadsheet. See the low-water month before it arrives, and what's safe to spend now.
Projected balance
Liquid cash, folded forward month by month.
Income minus everything already committed — planned bills, liabilities and budgets.
Recurring income and payments Ovolos folds into the plan for you.
The quiet things, surfaced
Recurring charges detected and tracked, a savings-rate trend you can feel good about, and a calendar that shows every day money moves — before it catches you out.
Recurring charges, found automatically.
- Netflix $17.99
- Spotify $11.99
- iCloud+ $9.99
- Gym $49.00
- NYT $25.00
5 active · $2,568 / yr
Share of income kept, trending up.
12-month average · 27%
Every day money moved, at a glance.
Know how far your money carries you
With zero income, how many months would your liquid and marketable assets cover your real spending? Ovolos answers it live, and updates as your plan and prices change.