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Opisio

See where your income goes — every bill, every pay cycle, in hours worked.

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what it does

Understanding your costs

Where does your money actually go? Which costs are essential, and which could you live without? Opisio helps you answer both. Hand it a bank statement and it recognises your costs automatically. Describe each one in as much detail as you like, split your income the way that works for you, and see clearly which costs weigh most on your budget. Then decide what stays, what changes and what goes.

latest updates

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features

Pay cycle screen with pay day 15, Monday to Friday selected, 8 working hours a day and the weekend payday toggle on

Built around your pay cycle

Set your pay day, working days and daily hours. If pay day falls on a weekend, Opisio can move it to the Friday before, like most employers do.

Income dashboard showing salary, extra income, per-day and per-hour rates, next payday countdown and earned/remaining/done progress rings

Your salary, broken down

Salary per day and per hour, monthly and weekly hours, and a countdown to your next pay day — plus how much you've already earned this cycle and how much is still to go.

Income streams screen with a main income and two additional streams, Freelance and ebay, with a primary/secondary split bar

More than one income

Add named side incomes — freelance work, selling online, rent — next to your main salary and see how much each one contributes to your total.

Costs list with Needs, Wants and Savings totals, a Needs progress bar, and cost cards showing amount, share of Needs and days until collection

Needs, Wants and Savings at a glance

Every cost sits in one of three budget slices. The top bar shows how much of each slice you've used and what's remaining; sort, filter or search the list, and see when each bill is next collected.

Add new cost form with name, amount, monthly or once toggle, date and recurrence, and a From Image button

Add a cost in seconds

Give it a name and amount, pick monthly or one-off, and choose the collection date. You can also fill it in from a photo of a bill or receipt.

Cost details for Insurance: £220 amount at 12% of the slice, website link, note and collection informationCost details scrolled down: PDF attachment, link, note, collection date, and additional information including 12.1 working hours

Everything about a bill in one place

Attach the contract PDF, save a link to the provider's site and add a note. Each cost shows its share of your budget and of your total income, and how many working hours it costs you.

Needs breakdown donut chart by cost: Mortgage 45%, Grocery 22%, Car payment 11% and moreNeeds breakdown donut chart by category: Housing 46%, Food 23%, Fees, Other and TransportationNeeds breakdown Top costs chart: bars from the biggest cost to the smallest, with a cumulative line showing 12 of 25 costs make up 80%

See where the money goes

A breakdown chart for each slice, by individual cost or grouped into categories such as Housing, Food and Transportation. Top costs ranks every cost from biggest to smallest and shows how many make up 80% of the total.

Budget allocation in Slider mode with Needs 50%, Wants 45%, Savings 5%Budget allocation in Manual mode with percentage fields and allowed ranges for each sliceBudget allocation in Auto mode suggesting Needs 49%, Wants 41%, Savings 10%

Your own budget split

Start from the classic 50/30/20 rule, then adjust it with sliders, type exact percentages, or let Auto pick the smallest split that covers your current Needs and Wants and send the rest to Savings.

Statement extraction screen with an Extract PDF Statement button and a note about how the statement is handledExtracted transactions grouped by merchant, with a choice of combined total or individual payment and monthly/one-off and needs/wants toggles

Import your bank statement

Share a PDF bank statement and Opisio picks out recurring payments, subscriptions and bills. Repeat payments to the same merchant are grouped — pick the combined total or a single payment, mark it monthly or one-off, Needs or Wants, and add it.

details

Status
Closed testing
Version
1.0
Requires
Android 9 and up

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