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Don't just see the balance.
Saldo360 analyses income, expenses, cash flow and trends to turn numbers into intelligent decisions.
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30+
businesses & professionals
900+
analyses generated
6h
hours saved
€480
better decisions
Month score: 82/100
FinancIA analysed 214 transactions
Margin +4 pts
Best month this quarter
Saldo360 — Overview
This month
Income
€8,420
+12%
Expenses
€5,960
-4%
Result
€2,460
+29%
Result trend
+18% vs previous period
Top expense categories
Suppliers
€2,140
Payroll
€1,760
Rent & Housing
€900
Subscriptions
€340
Fixed costs up 9% — review subscriptions
FinancIA: month score 82/100
Saldo360
82
month score
Result
+€2,460
Alerts
2
Margin
29%
Your business, read by an analyst.
Every month.
Not a dashboard to interpret on your own: a finished reading — score, deviations in euros and what to fix first.
A 0–100 score for your month
Margin, expense ratio, revenue concentration and cash runway — measured and explained, no spreadsheets.
Every deviation with its euro value
Not a pretty chart: it's “fixed costs rose 9% — €218 more this month”. No number, no entry.
An attack order, not a problem list
Recommendations come sorted by the money they return — start with the one that pays back fastest.
Ask in your own words
“Why did profit drop this month?” FinancIA answers with your numbers, and explains the reasoning.
Included in the Subscription
Month analysis
82
/ 100
Month score
good — margin rising
Income
€8,420
this month
Margin
29%
target 30%
Expense ratio
71%
falling
Cash runway
3.2 months
healthy
Where the money is
Duplicate, unused subscriptions
+€96/mo
Fixed costs above last quarter
+€218/mo
Revenue concentrated in one client
risk
Identified potential
+€312/month
Why did profit drop this month?
Illustrative values. Your analysis uses only your data.
Subscription
No surprises.
Choose the ideal plan for your company's current stage. No complications.
Assinatura
O seu analista financeiro inteligente — tudo incluído.
€
9.90
/month
3 People included
What's included
Accounts
Transactions
Statement Import
Categories & Rules
Budgets & Goals
Financial Analyst
Schedule: Debts & Upcoming
The prices shown are subject to VAT at the current legal rate.
What Saldo360 does
in one place.
Fewer spreadsheets, better decisions — everything you need to master your business finances
Accounts
Bank, cash and cards — consolidated balance in one panel
Transactions
A searchable ledger with every income and expense
Import
CSV, MT940 and CAMT.053 with per-bank mapping
Categories
PT/IT tree, description rules and learning from your corrections
Expenses
Suppliers, recurring expenses and cost splitting
Budgets
Per category and period, with deviation alerts
Financial Analyst
Levers, a 0-100 verdict and a period review
Sector Benchmark
Anonymous reference by sector and size
Reports
Monthly/quarterly PDF and accountant export
Ask the AI
“Why was March bad?” — FinancIA answers with your numbers
Alerts
Low balance, budget deviation, missing collection
Multi-company
Several companies in one account, consolidated view
Talk toyour finances.
FinancIA knows your accounts, transactions and budgets. Ask as you would ask an analyst — and get answers with numbers, not opinions.
-12%
avoidable expenses identified
€480
average savings/month
6h
hours saved/month
24/7
always-on analysis
FinancIA
Ask in plain language. FinancIA answers with your own numbers — and explains the reasoning.
Online
Why was this week worse?
Revenue fell 8% vs average and supplier costs rose 12%. The biggest impact came from two unusual invoices — together worth €340.
How much can I invest this month?
With 3.2 months of runway and a projected result of €2,460, you can allocate up to €900 while keeping your safety reserve.
How much can I spend this month?
Connected to your Saldo360 data
Frequently Asked Questions
We have the answers.
A financial management panel for micro-businesses, freelancers and families: accounts, transactions, expenses and budgets in one place, with an analyst that scores your month and explains what to fix.
Still have questions? Ask FinancIA — our assistant answers in seconds.
Talk to us
We are ready to help your company grow and become more organized.
Your financial analyst works for you.
While you run your business, Saldo360 analyses your data, detects problems and presents clear recommendations.
Less waste, more profit
Fast decisions with clear indicators
Forecasts instead of surprises
AI analyses. You decide.
What you get
Complete solutions for your company.
Monthly financial score (0–100)
Clear alerts and recommendations
Automatically categorized transactions
An assistant that answers in plain language