YouPersona

Master your personal and business cashflow with YouPersona — the AI-powered Financial Cockpit that tells you exactly what you can safely spend today without touching your bill reserves, loan installments, or savings goals. KEY FEATURES • Daily Safe-to-Spend Cockpit: YouPersona automatically factors in your monthly budget, fixed bills, loan installments, and savings targets so you always stay on track. • Luti AI (Chat, Voice & Receipt OCR): type or speak naturally — "Coffee $6.50 and groceries $48" — or snap a photo of any receipt or bank transfer slip. • 6-Jar Wealth Allocation System: Necessities (55%), Financial Freedom (10%), Education (10%), Long-Term Emergency Buffer (10%), Play (10%), and Give (5%) — or customize percentages to fit your lifestyle. • Unified Multi-Account Ledger (Personal & Business): Track bank accounts, e-wallets, credit cards, cash, and investment vaults in one executive workspace. Switch seamlessly between Personal and Business modes with instant balance reconciliation. • Smart Debt, Loan & Installment Tracker: rack principal vs. interest breakdown, payoff progress bars, remaining terms, and early-payoff simulations. • Proactive Recurring Bills & Obligation Radar: calendar and mark recurring bills as paid with a single tap. • Financial Runway & Executive Analytics: Visualize 6-month income vs. expense trends, net savings velocity, category burn rates, and how many months of emergency runway your liquid reserves cover. • Multilingual & Multi-Currency Ready: native support for 9 languages (English, Vietnamese, Japanese, Korean, Simplified Chinese, Traditional Chinese, Spanish, French, and German) and flexible currency formatting. PRIVACY & SECURITY FIRST Your financial data belongs strictly to you. YouPersona uses encrypted cloud synchronization and strict access isolation so your ledger remains private, accurate,and accessible across your iPhone and iPad. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/