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See what is safe to spend
Get a clearer number after bills, tax set-asides and upcoming costs.
Early UK beta in 2026. Join the waitlist for early access.
Built for uneven income
Know what you can safely spend when your income changes month to month.
Niio helps freelancers, consultants and solo business owners turn irregular income into a clear plan for bills, tax, savings, goals and day-to-day spending.
Built for people whose money does not arrive neatly once a monthTax set-asides, bills and goals in viewSee what is safe to spend between payments
No spreadsheets. No guesswork. Just a clearer plan for the money you have, the money coming in, and the money you need to protect.
Irregular income makes normal budgeting break.
Most money apps assume the same salary lands every month. But when you freelance, consult, create, contract or build a business, your real question is different: “Can I afford this now, or do I need to protect that cash for later?”
Income lands at different times
Payments arrive late, invoices vary, and one strong month can hide a weaker one coming next.
Tax and bills sit in the background
You need to spend today without accidentally using money that should be kept aside.
Personal and business spending blur
Tools, subscriptions, travel, software, coffee, client work and normal life all compete for the same cash.
Spreadsheets get tiring
You can build a plan manually, but keeping it updated every week is the hard part.
A simple money plan for people without a simple paycheque.
Niio brings irregular income, upcoming bills, tax set-asides, savings goals and personal spending into one monthly plan.
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Plan around uneven payments
Account for irregular payments, quiet months and one-off expenses before they surprise you.
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Understand your runway
See how long your current money could last if income slows down.
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Separate essential from flexible
Keep must-pay commitments distinct from the spending you can adjust.
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Spot drift early
Get simple prompts when your plan starts to move away from the month you intended.
What Niio could help you see
Safe-to-spend
A clearer monthly number after bills, tax, savings and known upcoming costs.
Runway view
Understand how long your money could last if income slows down.
Tax-aware planning
Keep tax money mentally separated before it accidentally becomes spending money.
Upcoming cashflow
See what is due to come in, what is due to go out, and what needs protecting.
Spending signals
Spot subscriptions, business tools, lifestyle creep and flexible costs that are quietly adding up.
Goal protection
Keep house deposits, emergency funds, travel, business runway or savings goals visible while income moves around.
For people whose income does not sit still
Niio is built to help people plan through freelance work, consulting, contracts, creator income, solo business-building and the move away from predictable employment.
FreelancersConsultantsCreatorsContractorsSolo business ownersGig workersCareer changersIrregular monthly income
Built from real money-management pain
In early customer interviews, the sharpest pain appeared when income was changing, irregular, or tied to a life transition. People were already using Google Sheets, multiple accounts, pots and manual checks to understand what they could safely spend.
People wanted to feel ahead.
The strongest signals came from people who were planning around freelance income, contract changes, business-building, tax questions, house projects, weddings and future goals. They did not just want to track spending. They wanted to feel ahead of their money.
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.