Saldo is a modern personal finance tracker focused on clarity and speed. It helps users manage income, expenses, and savings in a clean interface that prioritizes daily usability over clutter.

The app is built around a transaction-first model, so every balance is traceable and easy to understand. Data is organized by calendar month, with instant visibility into income, expenses, savings activity, and net balance. Users can quickly edit historical transactions and see totals update correctly across affected months.

Savings are treated as a dedicated financial flow, with support for deposits and withdrawals, global balance tracking, and month-level activity details. Category organization is powered by tags, including parent-child structure and customizable colors, making large datasets easy to scan.

Saldo also includes recurring transactions, advanced search filters, and data export in CSV, JSON, and XML formats. It is offline-first, iCloud-sync ready, and optimized for iPhone, iPad, and Mac with platform-appropriate UX.

In short, Saldo delivers a finance experience that is feature-rich, reliable, and intentionally simple.