Startup founder
Track burn and runway from real spend. Test hires and cuts before you commit.
Ambient finance
for real-life money.
Onu watches cash coming in and out, subscriptions, and bills - then turns it into simple cashflow, burn, and runway signals you can actually act on. No budget templates. No spreadsheet hours.
Cashflow & runway engineSubscriptions at a glanceSecure Plaid banking
Encrypted & deletable
Data is encrypted in transit and at rest. View, export, or delete history - or let auto-delete keep it light.
Read-only banking
Accounts connect via Plaid. Onu can't move or withdraw your money.
Start with demo data, then connect banking when you're ready. You can wipe everything with a click.
Built for real money lives
Founders, employees, freelancers, couples - anyone who wants a clearer sense of cashflow and runway without becoming a CFO.
Corporate professional
See where your salary actually goes - and how much really turns into savings.
Freelancer
Smooth feast-and-famine income with cashflow predictions and subscription control.
Couples & teams
Combine just the accounts you choose and stay aligned on big money decisions.
Cashflow, subscriptions, and the future - at a glance
Cashflow engine
See money in and out across accounts, spot drifts, and get short-term projections automatically.
Subscriptions & bills
Detect recurring charges, price hikes, and unused services - monthly and yearly.
Burn & runway
Know your true monthly burn and how many months you have at current pace.
Simple simulations
Ask “what if” questions - move, save more, cut spend - and see the impact in plain language.
Smart alerts
Nudges when spending jumps, renewals stack, or a month looks tight.
Weekly digest
A calm summary of what changed - no dashboard digging.
Cashflow engine
See how money actually moves through your life - without maintaining a single budget.
Pattern-aware tracking
Onu maps inflows and outflows across accounts to reveal your real rhythm.
Short-term projections
Projected balances for the next few weeks, based on behavior - not wishful planning.
Drift alerts
Heads-up when spending suddenly jumps or drifts into risky territory.
Subscriptions & bills
Turn recurring charges from invisible leaks into a clear picture you can act on.
Automatic detection
Onu finds recurring charges and shows your total monthly and yearly load.
Duplicates & waste
Spot overlapping tools and subscriptions you barely touch.
Renewal hotspots
See where multiple renewals stack so you can smooth cashflow.
Burn & runway
For founders and independents who need to know exactly how long they can keep going.
Real burn
Burn is calculated from actual transactions, not spreadsheet guesses.
Runway in months
See months of runway at your current pace - and how that shifts as things change.
Scenario-ready
Test hires, tool cuts, or lifestyle changes and see the runway impact.
Long-term simulations
Ask plain-language questions about your future and get straight answers.
Lifestyle scenarios
Change rent, city, or savings and see how your path bends over time.
Safety trajectory
Understand how today’s choices turn into tomorrow’s buffer.
Lightweight planning
Retirement-style clarity without 40 fields and a spreadsheet.
Security & privacy
Clear controls. No data selling. Your money signals stay yours.
Data & insights
- • Encrypted in transit and at rest.
- • UI to view, export, and manually delete events.
- • Deleting events also removes related insights.
- • Optional auto-delete (e.g. 30 / 90 / 365 days).
Banking & financial data
- • Accounts connect only via Plaid.
- • You authenticate directly with your bank.
- • Read-only: Onu cannot move money.
- • Disconnect accounts any time from Settings.
Other assurances
- • No data selling. No ads. No surprise sharing.
- • Private data isn't used to train public models.
- • Shared workspaces only see what you include.
- • Export your data if you ever want to leave.
Onu treats your financial data like it belongs to someone you love. Because it does. Ambient finance, without giving up control of your accounts or your history.