Kimo Finance

Overview

Cashflow chat

Plan in plain language — add a planned expense (“dentist 400 in October”), log a card purchase (“we paid the hotel 4093.65 today on the Viseca card” — it lands on the month the card bill is debited), repeat one (“gym 90 every month until December”), remove one (“cancel the dentist bill”), or ask a what-if (“a camera for 1300 in July on a credit card”). Everything previews first; nothing touches the real plan until you confirm it.

Income vs Expenses (12 months)

Spending by Category

Recent Transactions

Monthly Summary

Transactions

All transactions from your accounts

Upload CSV

	Date	Description	Category	Owner	Bank	Amount	Status

AI Categorisation

Claude reads the transactions your rules couldn't place, files the clear ones automatically, and hands you the rest to decide.

High-confidence matches are applied automatically. Anything unsure lands in the review queue below.

⌄Review queue

⌄Auto-applied by Claude

⌄Still uncategorised

⌄Categorisation rules

→

Spending Baselines

What a normal month costs per category, learned from your history — accept, edit, or clear each one. These are the numbers the Cashflow Planner falls back to.

Projected income / mo

—

from Salary settings

Baseline spending / mo

—

sum of category baselines

Projected net / mo

—

income − baseline spending

Suggestions from the last

A rolling average of your actual spending. Edit any figure to pin your own; Clear reverts to the live average.

Salary Settings ▼ show

Category	Avg	Baseline / mo
Total / mo

Cashflow Planner

Month-by-month view of the same ZKB cash curve Invest Timing plots. Projections come from Spending Baselines, real dated items from Cash & Commitments.

Show actuals

Taxes WIP

Zurich/Volketswil income-tax estimator & renovation deductions

Wealth Tracker

Live holdings priced from the market, plus manual assets; snapshot to record history

Evaluation History

Date	3a	3b	Pension	Cash	Invested	Crypto	Apartment	Other	Liabilities	Grand Total	Change	% Change	Mkt Return

No evaluations yet — click New Evaluation to add your first net worth snapshot.

Investment Strategy

Kim & Timo · Shared investment playbook

Regular Buying Schedule

Buy on day of month

Regular amount (CHF)

Frequency

Dip Buying Rules

Market dip threshold (%)

Extra buy amount (CHF)

Dip measured from

Additional dip-buying notes

What We Invest In

Asset name

Target %

Platform

Strategy, Goals & Notes

Overall investment strategy

Risk appetite

Long-term goals & timeline

Notes & anything else

Version History

No versions saved yet. Fill in your strategy above and click Save Version to create the first record.

Market Tracker

Live performance of your key indices

S&P 500SPY · S&P 500 ETF

NASDAQ 100QQQ · NASDAQ 100 ETF

Swiss Market IndexSMI · SIX Swiss Exchange

GoldXAU/USD · Spot Gold

BitcoinBTC/USD · Coinbase

EUR/CHFEUR/CHF · Forex

Detailed Chart

SARON — Swiss Average Rate Overnight

— SNB ↗

Current rate

—

Published daily by SIX / SNB. Used to calculate effective rates on SARON-linked mortgages.

History

Dip Alert Settings

Set a dip threshold below. When live dip detection is enabled in a future update, you will get a banner alert here when any index drops by this amount. Cross-reference with your Investment Strategy page.

Alert threshold (%)

Measured from

Debt Tracker

Mortgages and loans — rates, repayment, and what you still owe

SNB Policy Rate

—

SARON (raw, from SNB)

—

SARON Floor — banks apply this minimum

%

Adjusted SARON — used in calculations

—

Auto-fetched from SNB · source ↗

Cash & Commitments

Your bank balance, and everything already spoken for against it

Invest Timing

How much you can move to the broker, and when

Spending Analysis

Income, spending, and how much you keep

Income & spending

Compare to previous

Apartment (STWE)

Stockwerkeigentum · Hofwiesenstrasse 13, 8604 Volketswil · 4.5 Zimmer Dachwohnung + 2 Parkings