# Kiso: Financial Clarity — Budget, track, understand

> Budget, track, understand (iPhone/iPad app by Rodrigue Coail.)

- Source: https://appshunter.io/ios/app/kiso-financial-clarity/id6761067055 (this page in markdown: same URL + `.md`)
- Developer: [Rodrigue Coail](https://appshunter.io/developer/1601865420)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 18.2 · 45 MB
- Languages: English, French
- Released: 2026-04-16
- Data updated: 2026-06-27
- User reviews in markdown: https://appshunter.io/ios/app/kiso-financial-clarity/id6761067055/reviews.md

## What is Kiso?

Kiso tells you the truth about your money.

Not a budget spreadsheet. Not a bank feed. A financial counselor that computes your health score from real data and shows you exactly what to work on next.

HOW IT WORKS

Enter your income and housing costs. Kiso builds your Foundation, a waterfall budget that flows through four pillars: Housing, Needs, Wants, and Savings. Each pillar has its own allocation, tags, and spending history.

Log transactions in your Ledger. Kiso tracks what you spend, closes each month automatically, and computes your Financial Health Score from 7 factors:

• Housing Ratio: is your rent sustainable?
• Emergency Runway: how many months could you survive?
• Savings Rate: are you building wealth?
• Spending Discipline: are you staying within your plan?
• Retirement Trajectory: are you on track?
• Income Viability: how does your income compare?
• Income Concentration: is your income diversified?

Each factor is Healthy, Warning, or Critical. Your overall status ranges from Thriving to Critical. Kiso's Counsel engine reads your score and gives you one clear, prioritized piece of advice. No noise, no guilt.

WHAT MAKES KISO DIFFERENT

• No bank connections. You control what goes in.
• No account required. Your data stays on your device.
• No ads, no premium tier. Free during beta.
• Works in English and French.
• Designed for serenity, not anxiety.

Set up in under 60 seconds. See your Foundation. Start building clarity.


## Version history (last 4 releases)

### 1.0.0 — 2026-06-24

What's new in 1.0

Debt
A new Debt tab gives every debt a clear payoff plan. Add each one with its balance, interest rate, and minimum payment, then watch them line up smallest balance first, so an early win builds your momentum.

Retirement on your Trajectory
Trajectory now tracks what you set aside for the long term. Tag savings as retirement to see how much you have contributed alongside an estimated future value, and your projected freedom age reflects the money you are actually putting away.

### 0.4.0 — 2026-05-28

What's new in 0.4

Trajectory tab
A new forward-looking surface lives in its own bottom-nav tab. See your projected financial freedom age, the matching portfolio target, and what you'd withdraw monthly and yearly when you reach it. Live sliders explore "What if I save more?" and "What if I dial down the withdrawal rate?" in real time. The accumulation graph shows your curve climbing, with a clear marker at the moment you reach the target.

Customize your retirement spending
Want to live on more than your current spending in retirement? Set a target monthly amount on Profile, and the trajectory recomputes against your number rather than a multiplier on today's expenses.

Reliable pillar suggestions
When you tap the Revenue or Housing pillar for the first time, the add-entry form opens automatically with the right amount pre-filled.

### 0.3.0 — 2026-05-04

Pockets are here in the Plan tab (formerly Budget).
Set money aside for what's coming, with goals, a starting amount, and contributions you can adjust anytime.
Your Emergency Fund now lives in Pockets.
You can now rename and delete your tags (see Profile).
You can also search and filter your transactions, which are grouped by date.

### 0.2.1 — 2026-04-16

No release notes.

## More apps by Rodrigue Coail

- [Foraminis](https://appshunter.io/ios/app/foraminis/id1601865418)
- [Deletio](https://appshunter.io/ios/app/deletio/id6748138426)
- [Sanko: Savings Goal Tracker](https://appshunter.io/ios/app/sanko-savings-goal-tracker/id6756224617)

All apps by Rodrigue Coail: https://appshunter.io/developer/1601865420

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-27.*