KoloIQ

Emerging markets · mobile-first

Understand spending, build budgets, clear debt, grow savings

Financial clarity in under three seconds — with a coach that speaks your language. Trust-first design for sensitive money data.

Dashboards that explain

Safe-to-spend signals, payday countdown, and goal rings at a glance.

Budget modes

Balanced, debt focus, and aggressive savings — aligned with how you live.

AI coach

Ask what changed, what you can afford, and how fast you can be debt-free.

Statement import

Upload bank PDFs; we parse in the background and keep you posted.

Debt payoff order

Avalanche or snowball views with simple timeline estimates.

Built for low bandwidth

Fast loads, optimistic updates, and a PWA-friendly shell.

How it works

  1. Create your account and verify with OTP.
  2. Complete a short onboarding — income, obligations, goals.
  3. See your health score, generate a budget, and chat with the coach.