Budget together, pay bills, and track business money in one workspace.
Fio helps households, groups, and small operators see what is due, what was spent, and what is still safe to use.
Simple Workflow
Get started in minutes
Create Account
Sign up for your family or business profile. Invite members and assign roles.
Connect Wallet
Connect supported wallets or payment methods for everyday bills and transfers.
Track & Save
Chat or speak to log expenses, review cashflow, pay bills, and watch your savings grow.
Everything you need
One workspace for daily money decisions.
Switch between household budgets and business operations without creating separate accounts or losing the big picture.
Dual-Mode Intelligence
Keep household spending separate from your side hustle or SME activity. Toggle modes instantly with distinct privacy controls.
Integrated Payments
Pay common bills directly from your wallet. Example flows:
- Electricity & water
- Airtime & data
- TV subscriptions
- School Fees
Conversational AI
Ask about cashflow, goals, or say "Spent 50 GHS on Food". The assistant prepares entries for review.
Business Suite
Professional invoicing, vendor tracking, and configured tax rules estimation built right in.
Group Savings
Shared savings contributions with transparent member tracking and wallet-friendly collection flows.
Instant Transfers
Send money to supported banks and wallet providers without leaving the finance workspace.
Debt Dashboard
Track loan balances and visualize your repayment progress with our dedicated debt tools.
Income & Expense Goals
Set monthly budget caps and income targets. Stay on track with visual health indicators.
Designed for real routines
Clear money workflows for the people who share responsibility.
Use Fio when money decisions involve more than one person, more than one due date, or more than one workspace.
Households
Track bills, shared budgets, recurring subscriptions, debt, and savings goals without losing who paid for what.
Savings groups
Collect contributions, show progress transparently, and keep group goals separate from day-to-day spending.
Small operators
Switch into business mode for invoices, vendors, revenue, purchases, and tax estimates while keeping personal money separate.
Built for confidence
A finance workspace has to earn trust first.
Fio keeps everyday money work clear while making payments, permissions, and data handling visible from the start.
Sensitive payments protected
Payment details are handled through secure payment partners, and sensitive credentials are not stored in the app.
Role-based collaboration
Invite family members, partners, or team members with the right visibility for each workspace.
Everyday payment context
Wallet, bank, utility, school fee, and TV payment flows are presented in familiar, practical language.
Clear data protection
Privacy, terms, and applicable data protection law details are available before a user creates an account.
Transparent Pricing
Start free, upgrade when the workflow grows.
Every plan uses your configured currency and keeps the signup decision simple.
Starter
For households getting their first shared budget under control.
- 2 members
- 100 transactions/mo
- Budgets and savings goals
Household Plus
For active households that need more members, recurring bills, and deeper budget control.
- Unlimited members
- Recurring bills and reminders
- Shared budgets and savings goals
- Conversational AI and debt tools
Savings Group
For clubs, groups, and teams that collect contributions and need transparent goal tracking.
- Contribution tracking
- Locked group savings goals
- Member visibility
- Payment and reminder workflows
Business
For operators that need invoicing, vendor bills, inventory, and tax estimate workflows.
- Business Mode access
- Invoices and products
- Vendor bills and expenses
- Profit, loss, and tax estimates
Business Pro
For businesses that need advanced controls, exports, AI support, and multi-user business workflows.
- Everything in Business
- Business user access controls
- Exports and deeper reporting
- Higher AI and payment-service limits
Lifetime
For long-term users who want the full workspace without monthly billing.
- Everything in Household Plus, Savings Group, Business, and Business Pro
- No monthly fees
- Priority support
Setup Service
Personal onboarding, workspace setup, and data import help for teams that want a guided launch.