Know what your money can safely do next.

Press Move and watch every number that depends on it change.

Get Upino
Safe to spend €1,284 Until next income · 12 days
Protected €3,536
  • Obligations
  • Essentials
Japan 72% June 2027 · on track
Next best move

Move €180 to Travel

Next 40 days

€1,284safe today

Most finance apps explain the past. Upino helps you think about what comes next.

Behind youWhere did it go?

Ahead of you€1,284safe for the next 12 days

Your balance is not your spending money.

Some of it already belongs to rent, bills, yearly costs, essentials and the goals you said matter. Upino sets those aside first, then shows what is really yours to use.

Available money

€4,820

  1. Available money€4,820
  2. Obligations rent, bills, debt payments due before income−€1,640
  3. Essentials food and transport until income−€920
  4. Annual costs this period's share of yearly bills−€410
  5. Hard goals goals you marked as fixed−€380
  6. Other protected money a buffer you chose to keep−€186
  7. Safe to spend€1,284

Before you spend it, see what it changes.

Ask in plain words. Upino runs the purchase through your plan and shows the two futures side by side, so the trade-off is visible before the money moves.

Can I spend €700 on a laptop?

Yes, both ways keep your obligations covered. Waiting keeps Travel on schedule.

Safe to spend
€450
Travel goal
+18 days
Hard obligations
Protected
Lowest point of each week. Hatched: what the laptop takes.

Past, today and the next eight weeks, on one line.

Income, bills, yearly costs and goal transfers are already in the plan. Bills do not dent Safe to Spend, because their money was set aside long before they are due.

Safe to spend today

€1,150for 10 days, until income on Oct 25

Lowest ahead
€520, Oct 24
Next income
Oct 25
Bills already protected
€2,590

Each bar is the lowest point of a week. Travel reaches its target on June 12, 2027.

Your goals are connected to your decisions.

A goal in Upino is not a jar you top up when you remember. It has a date, a pace, and a place in the plan, so every purchase shows up in how far away it is.

Travel goal

Japan

72%

€4,320 of €6,000

Projected completion June 2027

Financial intelligence that understands context.

Four layers, each with one job. The numbers come from deterministic engines. The language model reads them, connects them and explains them. It never makes them up.

  1. CalculatesFinancial EngineBalances, claims, Safe to Spend. The single source of financial truth.
  2. SimulatesScenario EngineRuns the same engine forward for “buy now” or “wait”.
  3. NoticesIntelligence EngineFinds patterns, changes and opportunities in the results.
  4. ExplainsAI layerInvestigates, connects and puts it in plain words.

  • “Your essential costs increased over the last three months.”

    Intelligence Engine → explained

  • “Your December insurance payment is now fully protected.”

    Financial Engine → explained

  • “Your recent spending pattern may shift your Travel goal.”

    Scenario Engine → explained

  • “Your Safe to Spend rose less than your income because more is being set aside for a yearly bill.”

    Financial Engine → explained

AI explains the financial world. It does not invent the numbers.

Inflation is personal.

The official figure is an average of everyone. Upino puts your own grocery costs next to it, so you can see whether prices are moving faster for you, and what that does to the months ahead.

Upino shows the gap. It does not claim to know the cause.

Your grocery costs +8.4% Official food inflation +3.1%
Illustrative data · Nov 2025 – Oct 2026 If the gap holds, groceries would take about €31 more a month by spring. Safe to Spend would account for it before you feel it.

Your September

Month close

€5,700 came in. You ended with €1,090 free to use.

  • Spent€3,620
  • Protected€580
  • To goals€410
  • Flexible€1,090

What changed

  • Dining€94
  • Transportation€71
  • Annual obligationsFully protected
  • Travel goal9 days closer

3 things worth knowing for October

  1. €1,673 is already spoken for in the next 30 days. None of it touches Safe to Spend.
  2. Dining ran €94 above your three-month usual. If October follows it, Travel moves about a week.
  3. Your yearly car insurance in December is fully set aside. Nothing extra is needed this month.

€1,673 already spoken for over the next 30 days.

Money that already has a future job is counted as taken, so it can never look like room to spend.

Today +30 days
  • Oct 15Subscriptions€13
  • Oct 21Subscriptions€18
  • Oct 25Annual expenses car tax fund€140
  • Oct 28Insurance€184
  • Nov 1Rent€1,100
  • Nov 3Subscriptions€30
  • Nov 5Debt card instalment€188

Upino optimizes trade-offs. Not frugality.

Sometimes the right move is to save. Sometimes it is to wait a few days. Sometimes it is to spend more than you planned, because you can.

Save

Moving €120 could bring your Travel goal forward.

Wait

Waiting 11 days avoids affecting any current goal.

Recover

€89 refund pending. Upino keeps track until it arrives.

  1. Requested
  2. Approved
  3. Arriving

Spend

You have more flexibility than planned. Raising your Travel budget by €120 would not touch hard obligations.

Local-first. Cloud-enhanced.

Your financial truth stays deterministic. AI helps interpret it.

On your device

Financial engine

  • Oct 12Grocery store−€64.20
  • Oct 11Train pass−€49.00
  • Oct 10Streaming−€12.99
  • …and the rest of your history

Full history stays here

Cloud, when needed

Intelligence

“Your essential costs increased over the last three months.”

Explains the numbers. Never makes them.

  • The core is authoritative. The financial engine runs on your device, and its results are the numbers you see.
  • Cloud only where it adds something. Selected features use cloud intelligence to explain and investigate.
  • Only the context a question needs. When a derived summary is enough, raw transaction history is not sent.

Money apps became complicated because they kept adding information.

Upino is built around a different question: what do you need to know to make the next decision?

  1. See Understand what is happening. Safe to spend€1,284
  2. Decide Understand the trade-off. Buy today €450Wait €1,150
  3. Act Choose what your money should do. One tapMove €180 to Travel
  4. Learn Upino recalculates what comes next. Recalculated, Travel 75%€1,104

One Upino. Choose how you pay.

Every subscription is the complete financial decision system. The only choice is how often you are billed.

Best value

$79.99 per year

$6.67 a month, billed once a year. Save 44%

Your first 12 months Total $79.99

Monthly for the same year: $143.88

  1. Today Trial starts $0
  2. Day 14 First payment $79.99
  3. Every year Renews $79.99
Start 14-day free trial

Then $79.99/year. Cancel anytime.

No feature restrictions during your trial.

Every plan includes everything

  • Safe to Spend
  • Ask before you spend
  • Financial timeline
  • Goals and goal projections
  • Bills and annual expenses
  • Scenario simulation
  • AI financial intelligence
  • Personal financial insights
  • Month close
  • Opportunity and recovery insights, where available

Monthly, quarterly or annual, it is the same Upino. Only the billing changes.

Maximum financial intelligence. Minimum financial administration.

Financial intelligence
Financial administration

Mission

Help people understand what their money can safely do next, without having to become their own accountant.

Technology

  1. Financial enginecalculates
  2. Scenario engineruns it forward
  3. Intelligence enginereads the results
  4. Language layerexplains them

A deterministic financial engine, a scenario engine that runs it forward, an intelligence engine that reads the results, and a language layer that explains them.

Product philosophy

Show the decision, not the data. Every screen should answer a question someone actually has.

Privacy

Local-first. Only the context a feature needs leaves the device.

Press and contact
[Placeholder: press and contact address]
Not financial advice
Upino is a decision-support product. It does not give regulated financial, investment or tax advice.

The people behind Upino.

A small team building financial software that has to be right before it can be clever.

  • Founder, CEO

    [Full name]

    [Placeholder: one line on what they own at Upino]

  • Product and design

    [Full name]

    [Placeholder: one line on what they own at Upino]

  • Financial engine

    [Full name]

    [Placeholder: one line on what they own at Upino]

  • Intelligence

    [Full name]

    [Placeholder: one line on what they own at Upino]

[Placeholder: names, portraits and one-line bios for all four]

Articles. On money, decisions and what comes next.

All articles
  1. Your balance is not your spending money.Why the number in your bank app overstates what you can use, and what to look at instead. 4 min read
  2. How Safe to Spend is calculated.Five things come out first. What is left is yours. Every step, in order. 5 min read
  3. Why your financial history stays on your phone.The engine runs on your device. The cloud only sees what a question needs. 3 min read