IOWII
Manage money together without sharing everything
2 followers
Manage money together without sharing everything
2 followers
IOWII splits shared expenses, tracks who owes whom, and keeps shared savings goals visible to everyone, while each person's own accounts stay private. Budgets, forecasts and a debt planner included. Free plan, no card.
Free
Launch Team / Built With
Render Sandboxes: a computer for every agentIsolated compute, persistent state and a real filesystem
Promoted
Hi everyone, I'm Wilker, and I built IOWII.
I live in Portugal, work full time as a QA Lead for a UK-based company, and I'm a husband and dad to a 2-year-old French bulldog and I've always liked building things for my own use.
I've always struggled to keep my finances organised: knowing what I have and what's left to spend. I tried a few apps and, after a while, none of them felt like mine, especially for money shared in a household. AI tools finally let me build the one I wanted without spending a fortune, so I did.
Most apps for shared money do one of two things. They split bills and nothing else, or they want every account in one place. If you live with a partner, family or housemates, neither fits: you want to share the house costs and a holiday fund, not your whole financial life.
IOWII is built around that line. You create a Group for the thing you share, and everything outside it stays yours.
What you can do today:
Split expenses in a Group: equal, exact, percentage or shares
See who owes whom and record settlements
Save toward shared goals and see each person's contribution
On your own side: budgets per category, scheduled items with a 30/60/90-day forecast, a debt payoff planner (Avalanche vs Snowball) and net worth
Import bank statements (PDF or CSV)
On paid plans: AI categorisation, and insights and a dedicated AI assistant that knows you.
Where the app stands. IOWII is in beta. It is not a bank and it doesn't move money; it tracks and coordinates. It's built in Portugal, so Portuguese is a first-class language, but English is also available and fully supported.
Pricing. There's a free plan with no card and no time limit. Paid plans start at €4.99/month with a 30-day free trial, and you're charged only when the trial ends.
You can try the demo on the homepage without an account. The direct link is this one: https://iowii.com/dashboard?demo=1
I'd love your honest take on two things:
Where the Group flow feels confusing.
What's missing before you'd use it with your own household or friends.
I'll be here everyday and answer every comment. So don't be shy :D and thanks in advance!