The personal finance app I built for myself, first to get out from under expensive debt and then to bring order to the whole month. Now I am turning it into something other people can use. This page shows the product vision, not a finished version.
In progress · product conceptOikos is the Greek word for the home and how it is run. The app starts from a simple idea. Before you invest you have to get organized and clear the expensive debt, and for that you need to see the whole month clearly on a single screen. What you see here are mockups drawn to explain the concept, with example figures in Chilean pesos and no real personal data.
Figures and categories are illustrative, in Chilean pesos, chosen to explain the concept. They do not correspond to anyone's real data.
The first screen answers a single question. How much do I have left this month. One big number for the surplus, income and spending beside it, and a small chart showing whether the trend is improving or getting worse. The idea is to understand the month in five seconds, not get lost in rows of a spreadsheet.
Every peso that goes out lands in a category. Rent, food, utilities, transport, health and leisure, sorted from largest to smallest with their amount and their percentage. The horizontal bars make it clear at a glance where spending piles up and where to tighten first.
Expensive debt, credit card debt above all, is emergency number one. Oikos shows the total balance and a clear view of the payoff, with milestones that get marked off as you bring the balance down. Seeing the progress keeps the discipline going when the month gets hard.
Balances, payments and milestones are illustrative, to show how the payoff is visualized. They are not real figures.
With the debt coming down, the app starts building the cushion, those months of spending set aside for when something goes wrong. Oikos measures how many months of cushion you have and how much is left to reach the goal you set. Only after that does it make sense to talk about investing.
Months of cushion, amounts and goals are illustrative. The cushion is calculated on average monthly spending, shown here with example figures.
Oikos was born out of a concrete situation. I needed to get out from under expensive debt and no app showed me the month in a way that helped me decide. So I built it for myself.
The conviction behind it is simple. There is no point chasing returns while a card is charging you high interest. First you order the month, then you clear the expensive debt, and only then do you build a cushion and invest. In that order.
The app follows those steps instead of promising shortcuts. Less anxiety about the magic number, more control over what actually moves the needle month to month.
See income, spending and surplus clearly on one screen.
Pay down the card and the consumer loan before anything else.
Build months of buffer and only then look at investing.
The app is in progress. Today I use it myself and I am tuning it so it works for more people. Leave your contact and I will let you know when the first spots open.
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