Your financial copilot.
Berio adds up your account balances, sets aside what is already promised to upcoming bills and what you have saved, and shows what is really left. With the math in the open, line by line.
Berio shows. You decide.
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Works in the browser on your phone and computer. Nothing to install.
$2,454.10
until the end of the month, without compromising bills and reserves.
Example with the demo account.
The problem
Your banking app tells you what is in the account. It does not tell you how much of it already has somewhere to go, and that is where the month gets tight.
One card purchase at a time feels small. The total only shows up when the statement closes.
Condo fee, school, car insurance. The bill does not warn you it is coming: it just comes.
It is the 20th, the balance is positive, and you still wonder: can I afford that dinner or not?
Each of you looks at your own account, and nobody really knows what is left for both.
How it works
The screens are from the real app, with the demo account.
Balance, income and fixed bills: three questions to start. Then log spending from your phone in seconds, or import your bank statement.
What goes to this month’s bills is committed. What you saved is reserved. The rest is free. Four numbers, always with the same name.
One number for the month, the week and the day, with a receipt for every line. Something changed? The number changes with it.
What is inside
Start with the basics and add more whenever you want.
Type “groceries 250” and you are done. Berio reads the amount and suggests the category.
Checking, savings and credit cards with statements, installments and limits.
Everything due this month in one place, with a heads-up before the due date.
Bring your bank file (OFX or CSV) and review it before saving.
Set money aside for a trip or an emergency without opening another account.
How much goes to groceries, home and fun, and how much is already gone.
Your balance for the coming months, with the assumptions in plain sight.
52 weeks, number grids or a goal challenge. Saving feels lighter.
Share only the accounts you choose, or turn on joint mode.
Every entry shows the name of who added it.
How much the couple can spend, with each person’s part in the open.
Moving money from one to the other is not counted as spending or income.
Why Berio
Every number comes with the “How we got this number” receipt. No black box.
One number for the everyday question: how much can I spend.
Both of you on the same number, and every entry with the name of who added it.
Bills about to be due, an uncovered reserve and a weekly summary in your inbox.
See your balance for the coming months before you get there.
Save a little at a time, at the pace your month allows.
Balance, committed, reserved and free. Everyday words, always with the same meaning.
Open it on your phone or computer. Add it to your home screen if you like.
Couple mode
Each of you keeps your own accounts. You choose what to share, or turn on joint mode and see how much the couple can spend. Nothing changes without both of you agreeing.
In selective mode, each of you shows only the accounts you choose. In joint mode, you both log and follow together.
Every entry carries the name of who added it. No more “who spent this?” at the end of the month.
Accounts and cards stay with whoever created them, and joint mode only turns on when both agree.
Powered by Efekty
Berio is made by Efekty. Business owners use Berio Business to run the company. Both follow the same calculation method: every number with the math in the open and the assumptions in plain sight.
Create your account and see your number in a few minutes.
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