No transfer, no payment, no purchase. The bank authorization asked for is read-only: writing is impossible in either direction.
Read-only
Yoseri cannot move a single dollar. That is a technical limit, not a promise.
Nothing made up
Stale data is shown as stale. Never guessed, never smoothed over.
Free with manual entry
The whole budget, with no bank credentials. Only the syncing is paid for.
Nothing to sell
No ads, no commission, no financial product recommended.
One statement
Four moves. One app.
Budget, see where the money goes, invest, plan ahead. Everything else follows from that — and each part has its own page.
Yori · Yoseri’s AI
Ask in everyday words. Yori answers with your own lines.
“How much on restaurants in August?” is a question, not a merchant name — and Yori tells the difference. It filters the envelope, adds up the month, and lists the transactions the answer is made of.
It states findings. Never advice.
Every finding carries its proof — the transactions that produce it, the period observed, and its confidence. Then Yori stops and asks you the question, instead of deciding for you.
Every total unfoldsAn answer you cannot unfold is an answer you cannot check.
Nothing is averaged with anyoneYori knows what you have recorded, and nothing else.
It says what it does not knowAnd if the answer is “Yoseri cannot know that”, that is written too.
Discover Yori
One single screen
Five layers stacked, not five apps.
Accounts and net worth, savings and goals, budget, subscriptions, investments: these are the layers of one and the same statement, not tabs that ignore each other. An internal transfer counted once, a subscription found again in the budget.
See all the featuresAccounts and net worth$165,924.52
Savings and goals$8,200.00
Budget−$19.13
Subscriptions192,99 $
Investments$65,858.00
Invest
Live prices, with the model’s confidence beside them.
Yoseri recommends nothing. It shows the gap between the market price and its model — and says every time whether its confidence is high, medium or low.
Three asset classesStocks and ETFs, crypto, property — each with its own model.
The same tools everywhereMonte-Carlo, correlation, stress tests, real fees, best price.
A ceiling, never adviceEvery gap carries a ceiling not to exceed if you go in. Nothing more.
See all three classes
Findings
A finding is not advice. And it stops where Yoseri stops knowing.
A finding always carries three things: the transactions that produce it, the period over which they were observed, and the total that follows from them — here $0 a year.
Do you use them?
2 to confirm
Downtown Gym
around the 1st of each month · seen 11 times
$49.99
Cloud 2 TB
around the 8th of each month · went up by $3.00
12,99 $$62.98 a month awaiting an answer.
A tool that claimed “you do not use them” would be inventing data it does not have. That is exactly what Yoseri forbids itself.
Principles
What Yoseri forbids itself.
Financial apps make promises. Yoseri would rather refuse — and every refusal below is a verifiable technical limit, not a marketing clause.
Your bankrevocable token
Yoseriread-only
The bank authorization asked for is read-only: writing is impossible in either direction. No transfer, no payment, no purchase.
Security
The part that matters, in black and white.
The authorization screen is the longest in the flow — on purpose. The Security page takes up every claim it makes, with its proof.
Pricing
Free is not a crippled version.
Manual entry gives you exactly the same budget, the same calendar and the same debts. What you pay for is never having to type anything again.
Straight answers
What you are actually wondering.
A question that is not here? Write to support@yoseri.com — a person who knows the product reads it.
Can Yoseri touch my money?
No — and not out of courtesy: by construction. The authorization asked of your bank is read-only. No transfer, no payment, no change is technically possible, in any direction.
Can I start without connecting my bank?
Yes, and it is the default. Bank credentials are optional: the four-minute flow asks for none, and you see your preview statement — $1,210 estimated left, your budget in four blocks, your first finding — before you even create an account.
Does Yoseri work with my bank?
The automatic connection covers 129 institutions, and that is the paid plan. 61 more are held in manual entry, 190 in total. It will open first in Canada and the United States, then France and the United Kingdom — dates to be announced, the product is under construction. If your bank is not there, manual entry and CSV statement imports give the same budget, free.
Does Yoseri give financial advice?
No. Yoseri produces findings: calculations on your own data, with their period, their transactions and their level of confidence.