A rule tracked, not a transfer made for you.
Save without thinking about it. A rule triggered on every payday, a safety cushion, dated goals — and the gap to each one, always visible.
Yoseri is not open yet outside Canada.
This page describes the product as it works in Canada. The pension plans, the tax shelters and the connected banks here are Canadian: they do not transpose. Where you are, it would rather be the local public plan, with the local tax shelters as tax shelters and your tax administration opposite.
We do not claim to know those rules today — connecting them is work, not a translation. Tell us where you are: the order in which markets open is decided there.
Status on August 30, 2026 — Yoseri is not open yet. This page previews a product under construction. The screens show one worked example: every amount on them comes from it, none from a real user. The private beta opens on October 1: join the waiting list.
$800 per payday, split before it exists in your account.
The only savings mechanism that holds over time: an amount leaves on payday, not at the end of the month with whatever is left. $800 on an income of $4,350 is 18.4% of what you earn — the median for people in your situation is 11.4%.
EVERY PAYDAY
800 $split into three pocketsSHARE OF INCOME
18,4 %on $4,350 of incomeCOMPARABLE MEDIAN
11,4 %3,180 people with the same profileIN A YEAR
9 600 $if the rule holds twelve monthsOne amount, three destinations decided in advance.
A single savings transfer always ends up being used for something else. Yoseri splits the $800 into three named lines: $300 to the safety cushion, $200 to dated goals, $300 to investments.
- What is left this month does not count the payday to come: $640, without the salary of the 30th
- Every pocket shows its target date, recalculated on every payday
- Changing one pocket recalculates the other two before you confirm
Your rule · every payday
Rule active800,00 $
On $4,350 of income · 18.4% · triggered on the day of the deposit
CUSHION FULL
June 2027IN A YEAR
9 600 $LEFT THIS MONTH
640 $$15,870 saved, and Yoseri tells you at what rate each dollar is sleeping.
Three pockets, three different regimes. A liquid amount and an invested amount are not the same money — that distinction is what makes the job-loss simulation below work.
The rate and the access, shown beside the amount.
The cushion holds $6,320, the goals $5,950, the investments $3,600. The first two pockets are in a savings account at 3.10%, available the same day.
- Every pocket is attached to a real account, never to a made-up compartment
- The investments pocket is detailed on the investments page
- Yoseri reads balances; it opens and closes no account
Where your savings are
$15,870 in total| Amount | Rate | Access | |
|---|---|---|---|
| Cushion · savings | 6 320 $ | 3,10 % | Immediate |
| Goals | 5 950 $ | 3,10 % | Immediate |
| Investments | 3 600 $ | — | Variable |
The dash in the “rate” column is not an oversight. An investment has no guaranteed return — writing a figure there would be an invention.
A pocket can also be a goal. Nothing is counted twice, and nothing sleeps in a column you cannot see.
“What if I lost my job?” — 3.1 months. That is the answer.
Your cushion covers 2.0 months of real spending, against the 3 you set yourself.
What holds, what breaks, and in which month.
The simulation guesses nothing. It adds up what you have — $6,320 of cushion, $3,600 of sellable investments — and divides by what you spend: $3,160 a month, debt payments included. 9,920 ÷ 3,160 = 3.1 months.
- The savings rule suspends itself from the first month
- Selling investments needed in month 3, not before
- A scenario is not a forecast: it tells you whether you would hold out
Job loss · simulation
Cushion 2.0 / 3 months3.1 months of runway
Cushion plus sellable investments, debts serviced · spending of $3,160 a month
Available immediately
6 320 $Sellable, at their value on the day
3 600 $Nothing is suspended at your creditors
$1,342 / monthYoseri does not know your eligibility
Not includedNon-debt spending cut by 20%: 3.5 months instead of 3.1, without touching the payments.
The calendar of a scenario you would rather read beforehand.
Six months with no employment income, step by step. Every line matches a dated event in the calculation — not an impression.
- The savings rule suspends
The safeguard fires on its own: $0 set aside as long as the income does not come back. The $800 per payday stays available to live on.
Month 1 - The debt payments continue
$1,342 a month leaves your account, as usual. It is the only line in the scenario that does not move by a dollar.
Months 1 to 6 - The cushion runs out
$6,320 is exactly two months of spending at $3,160. After that, you have to look elsewhere.
Month 2 - Selling investments becomes necessary
That is where the scenario stops being comfortable: selling in month 3 happens at month 3's price, not at the price you hoped for.
Month 3 - End of the runway with no cuts
3.1 months in total. Cutting 20% of non-debt spending — $364 a month — pushes the limit back to 3.5 months.
Month 4 - The goals start again, late
Six months of pause make at least six months of delay: the emptied cushion refills before the goals, and the down-payment date slips by as much.
On return
Your target: 3 months
$9,480 of cushionThree months of spending at $3,160. That is the rule you set yourself in the app.
Current gap
−$3,160The distance between your $6,320 and the $9,480 target.
Target date
June 2027At $300 per payday, eleven paydays are missing — with no windfall and no surplus.
Cutting 20% of your non-debt spending — $364 a month — takes you from 3.1 to 3.5 months of runway. It is the quickest lever you have, and the only one that depends on nobody but you.
YOUR CUSHION
2.0 monthsgroup median: 3.4HAVE 3 MONTHS OR MORE
58 %of the same groupYOUR SAVINGS RATE
81st percentile16.2% against 11.4%GROUP SIZE
3 180people with the same profileCohort comparison is off by default, revocable in one action, and publishes only aggregates computed on groups of at least 500 people.
Job loss lives here because it measures your cushion. Buying a house, a child arriving, a rate rise, a 2008-style recession: those simulations are gathered on the planning page.
What your debts cost your cushionobjectifs | $800 per payday, an end date, and nothing to do each month.
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
A goal with no date is a wish.
Three goals, $12,270 saved out of $46,480 targeted, or 26% of the way. Lisbon has slipped a month: it is written on the line, not hidden in a total.
GOALS
3fed by $200 per paydaySAVED
12 270 $across all targetsTARGETED
46 480 $sum of the three targets: 9,480 + 3,000 + 34,000PROGRESS
26 %of the way coveredOn target, under way, to revisit. Three states, no judgement.
The emergency fund is on target: $6,320 of $9,480, full on June 30, 2027. The trip to Lisbon is under way: $1,150 of $3,000, reached on June 3, 2027, a month behind the original date.
- The down-payment target — $34,000 — is 10% on $340,000
- Goal created on February 14, 2024, 6 payments missed out of 30
- Real average payment: $200.00 — identical to the planned payment
3 goals
$12,270 / $46,480 · 26%Full on June 30, 2027
On targetReached on June 3, 2027 — 1 month late
Under wayReached in 2038 at the current pace
To revisitCREATED ON
Feb 14, 2026down-payment goalREAL AVERAGE PAYMENT
200,00 $identical to the planned paymentPAYMENTS MISSED
2 of 6counted in the date shownLEFT TO SAVE
29 200 $on a target of $34,000$1,556 a year, spotted in your own transactions.
Calculated, not estimated. The two easiest alone are worth $756 — that is 3.8 months of your down payment gained without changing anything in how you live.
PER YEAR
1 556 $calculated on your transactionsLEADS
4easy, medium, demandingEASY LEADS
756 $two charges with no useOVER FIVE YEARS
7 780 $if all four holdEasy · confirmed by you
+$156 — cancel the storageYou confirmed it useless in June.
Easy · to confirm
+$600 — the gym subscriptionNo entry detected for 3 months.
Medium
+$552 — restaurants back to their average$265 this month against a $219 average.
Demanding
+$248 — the card paid before the 28th19.99% interest avoided.
None of these four leads is advice. They are figures observed on your own transactions — the decision, and the knowledge of your life, are yours.
$1,556 a year is $129.67 a month. And four years off your down payment.
An annual saving means nothing until it is tied to a date.
- The two easy leads cover 3.8 months of your down payment
- They ask for no change of habit: two charges with no use
- Every lead stays visible until you either settle it or set it aside
Effect on your down payment
If everything goes to the same goal129.67 $ / month
$1,556 a year, spread over twelve months
$200 a month · 146 months left
2038About $330 a month
Before 2034If all four leads hold
7 780 $Yoseri shows the date that pace would give. It changes neither your rule nor your goals — and it does not assume the four leads will hold for five years.
Your cloud subscription went from $9.99 to $12.99 in March. No other transaction at that merchant for eleven months — but Yoseri sees the charge, never the use.
What people ask us about savings.
The answers carry figures, and the limits are stated alongside the capabilities.
Does Yoseri make the $800 transfer for me?
No, and it has no technical power to do so.
Why is my cushion 2.0 months if I have $6,320 set aside?
A cushion is counted in months of spending, not in dollars. You spend $3,160 a month on average, debt payments included. 6,320 ÷ 3,160 = 2.0 months.
Why does the simulation say 3.1 months when my cushion is 2.0?
If things went wrong, you would not live on your cushion alone: the simulation adds your $3,600 of sellable investments. (6,320 + 3,600) ÷ 3,160 = 3.1 months. Your debt payments stay counted in the spending — nothing is suspended at your creditors.
Is Yoseri going to tell me to move my $1,840 of dormant cash?
No. It works out what that floor did not earn — $56 over twelve months — the gap between the 0.05% of the account where it sleeps and the 3.10% of your own savings — and it stops there.
Why does my savings rate show 18.4% in one place and 16.2% in another?
Because they are two different measures, and neither is wrong. 18.4% is the current month: $800 saved on $4,350 received in August. 16.2% is the last twelve months: $9,600 set aside on $59,248 received.
What happens if I miss a payment?
Nothing catches up on its own, and the date moves. On your down payment, 2 payments missed out of 30 are already built into the 2038 date shown: it is calculated not on the promised payment, but on the payment received.
Are the goals and scenarios in the free plan?
Yes. The rule, the three pockets, the cushion, the dated goals and the job-loss simulation all work with manual entry, with no banking credentials.
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
How many months in your cushion? "Three" is a lazy answer
The three-month rule circulates everywhere without ever saying three months of what. The right calculation depends on your real spending, the debts you must service and how stable your income is.
· 5 min The GlossarySavings rate
The share of your net income you do not spend. The most predictive indicator of where you are heading — and the easiest to dress up.
· 1 minKeep looking around
Buying a house, a child arriving, a rate rise, a recession: the scenarios the cushion does not cover.
See planning InvestmentsThe third pocket of your rule: $300 per payday, $3,600 invested, fees down from 1.18% to 0.67%.
See investments Debt$1,342 of monthly payments that never suspend, and 19.99% of guaranteed return to go and get.
See the debtYour savings rule, set up in two minutes.
One amount, three pockets, two safeguards. The transfer stays at your bank — Yoseri tracks it, works out the dates and warns you when it breaks. That is all, and that is the limit we gave ourselves.
Rule, cushion, goals and job-loss simulation included with manual entry. Read-only, always.