YouPersona

Master your personal and business cashflow with YouPersona — the AI-powered Financial Cockpit that tells you exactly what you can safely spend today without touching your bill reserves, loan installments, or savings goals. Most budget apps only show you where your money went after you overspend. YouPersona proactively calculates your daily Safe-to-Spend allowance in real time by automatically deducting upcoming fixed obligations, debt payments, and wealth allocations from your liquid balances. KEY FEATURES • Daily Safe-to-Spend Cockpit Instantly see your true spendable allowance for today. YouPersona automatically factors in your monthly budget, fixed bills, loan installments, and savings targets so you always stay on track. • 3-Second Logging via Luti AI (Chat, Voice & Receipt OCR) Stop filling out tedious forms. Simply type or speak naturally — "Coffee $6.50 and groceries $48" — or snap a photo of any receipt or bank transfer slip. Luti AI automatically extracts merchants, amounts, dates, and categories in seconds. • 6-Jar Wealth Allocation System Build disciplined wealth automatically. Split your income across the internationally proven 6-Jar framework: Necessities (55%), Financial Freedom (10%), Education (10%), Long-Term Emergency Buffer (10%), Play (10%), and Give (5%) — or customize percentages to fit your lifestyle. • Unified Multi-Account Ledger (Personal & Business) Track bank accounts, e-wallets, credit cards, cash, and investment vaults in one executive workspace. Switch seamlessly between Personal and Business modes with instant balance reconciliation. • Smart Debt, Loan & Installment Tracker Monitor mortgages, auto loans, 0% card installments, and personal debts with precision. Track principal vs. interest breakdown, payoff progress bars, remaining terms, and early-payoff simulations. • Proactive Recurring Bills & Obligation Radar Never get surprised by auto-renewals, rent, utilities, or credit card due dates. View your monthly obligation calendar and mark recurring bills as paid with a single tap. • Financial Runway & Executive Analytics Measure your true financial resilience. Visualize 6-month income vs. expense trends, net savings velocity, category burn rates, and how many months of emergency runway your liquid reserves cover. • Multilingual & Multi-Currency Ready Designed for global clarity with native support for 9 languages (English, Vietnamese, Japanese, Korean, Simplified Chinese, Traditional Chinese, Spanish, French, and German) and flexible currency formatting. PRIVACY & SECURITY FIRST Your financial data belongs strictly to you. YouPersona uses encrypted cloud synchronization and strict access isolation so your ledger remains private, accurate, and accessible across your iPhone and iPad. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/