Personal finance workshop
Omonido
Personal budget app with tips sized to your real spending
Pronounced oh-moh-NEE-doh — budget with moves, not just numbers.
Track transactions locally, get ranked money moves, and simulate cuts before you change a budget — no account required.
- Track
Transactions, budgets, and goals in one calm ledger on your device.
- Decide
Personalized tips ranked by dollar impact — not a generic article feed.
- Simulate
What-if calculators for cuts, paychecks, subscriptions, and runway.
Try a move
Moves Lab calculators
Simulate a money move before you commit — category cuts, paycheck splits, subscription drops, and emergency-fund runway.
Category cut
Trim a category and see surplus plus goal dates shift.
Open →Paycheck split
Allocate Needs / Wants / Goals before discretionary spend expands.
Open →Subscription drop
Cancel recurring spend and see monthly, yearly, and goal pull-forward.
Open →Runway & rate
Emergency months covered and the gap to a target savings rate.
Open →
Guides
Practical money moves
Detailed playbooks with steps, examples, and FAQs — each paired with a Moves Lab calculator.
How to cut dining spend without feeling broke
A full playbook to measure eating-out costs, trim 10–20% without a crash diet, protect the meals you care about, and simulate the surplus in Omonido before you lock a tighter budget.
Read →How to measure emergency fund runway
A clear method to calculate how many months of expenses your savings cover, choose a 3–6 month target, close the gap with a savings-rate plan, and rebuild after you use the fund — with Omonido’s runway tools.
Read →Paycheck split: a practical 50/30/20 starter
A full walkthrough of Needs / Wants / Goals on payday — how to set percentages, handle high rent, run a concrete example, move the goals slice out of the spending account, and keep a weekly check without daily obsession.
Read →