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Stop Looking Backward. Start Looking Forward.
Built on income-based forecasting — not bank aggregation. Map your paychecks against upcoming bills, see your true safe-to-spend weeks in advance, and make decisions with confidence.
Projected Surplus
$2,400
No credit card required · Cancel anytime · 7-day Pro trial
Three Steps. Two Minutes. Zero Bank Logins.
No Plaid. No cloud sync. No credential storage. Just intentional, local-first financial awareness.
Import
Drop a bank statement CSV or log a transaction in under 2 seconds with Cmd+K Quick-Add. 100% local — nothing leaves your browser.
Map
FIO-PAYPATH auto-categorizes your income and bills against paychecks. The category-learning AI gets smarter with every correction — privately.
Project
See your forward safe-to-spend runway, shortfall probabilities, and money leaks — weeks ahead, not weeks behind.
I am a…
Find the workflow that fits your financial life.
Not a Budgeting App. A Financial Intelligence Platform.
Stop looking backward. Start looking forward. Five intelligence engines that move you from tracking past spending to commanding your financial future.
Predictive Cash Flow
Forecast your 30/60/90/180-day cash position, expected balances, and future liquidity risks — before they happen, not after.
Financial Decision Engine
Answer real questions: "Can I afford this?" "Should I pay off debt or invest?" "How much house can I comfortably handle?" — with instant clarity.
Privacy-First Architecture
No bank logins. No Plaid sync fatigue. No credential sharing. Your financial data stays on your device — CSV import, local OCR, zero third-party exposure.
Scenario Planning
Model major life decisions before committing: "What if I lose my job?" "What if I invest $500/month?" "What if rates change?" — see the full impact instantly.
AI Financial Copilot
Personalized financial strategy, goal planning, and automated action recommendations — continuous monitoring of your future outcomes, not just past spending.
How People Use FIO-Paypath
Illustrative examples — representative of common workflows.
Master the Income-to-Expense Runway
"I care about optimizing my income. I finally have predictive clarity that maps my incoming paychecks against upcoming bills, projecting my true safe-to-spend trajectory weeks in advance and replacing reactive rearview mirror budgeting with absolute financial foresight."
Leverage the Privacy-First Architecture
"Every CSV import and receipt scan stays 100% on my device. No data brokers, no Plaid sync fatigue — just client-side OCR and a category-learning AI that gets smarter with every entry, entirely eliminating third-party exposure."
Stabilize Irregular Freelance Cash Flow
"The Money Leaks engine caught three subscriptions I forgot I even had — silently draining me. Combined with sequencing my irregular invoices against overhead, I finally stabilized my freelance cash flow and proactively buffer for quarterly taxes."
Automate Proactive Shortfall Detection
"The local ML confidence bands spot overlap crunches and deficit risks before they happen. We replaced reactive rearview mirror budgeting with proactive shortfall detection — no more surprise cash flow gaps."
Plans Built for Every Budget
Start free forever — upgrade when you're ready. Weekly, monthly, or annual billing.
No credit card required to start standard tracking. No hidden setup fees.
🔄 How trials work
Monthly plans → 7-day free trial. Annual plans → 14-day free trial. Weekly → no trial, billed immediately. No charge during the trial — cancel before it ends and you pay nothing.
Upgrade anytime · Cancel anytime · No hidden fees
Get the 5-Minute Cash Flow Checklist
A free, no-nonsense guide to mapping your income against bills — the exact framework FIO-PAYPATH automates. No spam, no bank logins.
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Answers Before You Ask
The objections that matter — addressed straight.
Forecast Your Future With Confidence
Model major financial decisions, plan ahead, and gain clarity with privacy-first financial intelligence. No bank logins required. Install instantly as a secure PWA.
Income Management Optimized. Better Living Maximized.
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