Budgeting

Know where your money goes

Paiso sorts your transactions into income, expenses and transfers, then shows how money moves through your accounts.

Cash flow

Income against spending, two ways

View cash flow as a trend over months or as a Sankey chart that follows income into each spending category.

  • Switch between the trend and the Sankey chart
  • See your net savings for any period
  • Select a category to list its transactions
Budgeting
Sample data

October 2025 to September 2026

Income
$126,600
Expenses
$62,154
Net savings
$64,446
Try it: Move between the Cash Flow, Income and Expenses tabs. Each one filters and switches views as the app does.

Expenses

Spending by category

A chart breaks your spending into categories. Select a slice to see the transactions behind it.

  • Categories and subcategories you control
  • Filter by account and by date range
  • Cash, credit card, loan and mortgage transactions together
Budgeting
Sample data
September 2026$5,486

All expenses: 33 transactions

DateDescriptionAmount
Sep 27Elm Street Pharmacy$111.05
Sep 27Metro Transit Pass$51.10
Sep 26Noodle House$79.35
Sep 24Tesla Supercharger$59.15
Sep 24Costco$88.78
Sep 20Maple Home Goods$123.37
Sep 20Zelle to Rosa M. (house cleaning)$120.00
Sep 18Fiberline Internet$70.00
Sep 17Amazon$123.84
Sep 17Northside Clinic$112.59
Sep 15McDonald's$31.64
Sep 14Trailhead Outfitters$55.52
Sep 14Taqueria Sol$28.31
Sep 14Juniper Bistro$79.58
Sep 12Uber$70.99
Sep 12Auto Insurance$142.00
Sep 10Clearwater Utility$56.84
Sep 8Family Dental Care$121.16
Sep 8City Power and Light$153.48
Sep 7Target$118.35
Sep 6Metro Transit Pass$52.15
Sep 6Greenfield Market$151.54
Sep 6Harvest Co-op$89.60
Sep 5McDonald's$49.64
Sep 5Walmart$161.33
Sep 3Home Mortgage Payment$2,650.00
Sep 2City Parking$56.49
Sep 1Amazon$119.15
Sep 1Taqueria Sol$85.35
Sep 1Noodle House$14.93
Sep 1Juniper Bistro$47.02
Sep 1Walmart$95.49
Sep 1Target$115.80
Try it: Move between the Cash Flow, Income and Expenses tabs. Each one filters and switches views as the app does.

Income and transfers

Income counted once, transfers not at all

Paiso matches the two sides of a transfer between your accounts, so a credit card payment does not count as spending twice.

  • Income by source
  • Transfers matched across accounts
  • Transfers left out of your income and your spending
Budgeting
Sample data

October 2025 to September 2026

$126,600

Total income

All income: latest 8 deposits

DateDescriptionAmount
Sep 15Salary (Daniel)+$4,100.00
Sep 1Salary (Maya)+$6,450.00
Aug 15Salary (Daniel)+$4,100.00
Aug 1Salary (Maya)+$6,450.00
Jul 15Salary (Daniel)+$4,100.00
Jul 1Salary (Maya)+$6,450.00
Jun 15Salary (Daniel)+$4,100.00
Jun 1Salary (Maya)+$6,450.00
Try it: Move between the Cash Flow, Income and Expenses tabs. Each one filters and switches views as the app does.

Import

Bring in your transactions

Import transactions from CSV files on any plan. On Advanced, connect your bank and Paiso imports them for you.

  • CSV import on Basic and Advanced
  • Automatic import of transactions, investments and liabilities on Advanced

Monthly budgetAdvanced plan

Set a budget and measure against it

Build a monthly budget by category, then see how your actual spending compares.

  • A budget amount per category
  • Progress through the month
  • Performance across past months

Overview

One dashboard and one portfolio view for every account you own and every debt you owe.

Investments

Track stocks, ETFs, mutual funds, property and other assets alongside everything else.

Get startedSee pricing