Ambient Awareness
Finance Planner

AI Note Taker and Financial Planner for individuals and Teams

🚀 AI-Powered Insights🔒 Bank-Level Security⏱️ Time-Saving Automation
Download on the App StoreGet it on Google Play

Onu blends voice-first notes, ambient awareness, and smart finance into one calm space. Capture ideas, organize your week, and keep cashflow and goals crystal clear, without juggling apps.

Ambient Awareness

A personal memory assistant and team tracker that transforms conversations into organized, actionable knowledge.

Key Point Extraction

Automatically capture appointments, tasks, deadlines, and names from notes and meetings-no manual tagging required.

Store & Remind

Save moments to a timeline and get reminders by in-app, email, or Slack exactly when they’re useful.

Team Action Tracking

Consent-based recording turns into transcripts with owners, due dates, and auto follow-ups until completion.

Unlike generic transcription tools, Onu understands context and nudges you only when action is required. Search by person, project, or topic and resurface decisions in seconds. Your team gets clarity without extra meetings or spreadsheets.

Cashflow Management

Budget without the busywork. Our 3-Jar method keeps spending honest across personal and business life.

3-Jar Budget (Personal)

Necessities, Savings, Play-auto-sorted from transactions with simple targets that you can tweak anytime.

3-Jar Budget (Business)

Ops, Profit/Reserves, Growth-allocations from live data with rules to protect runway and focus spending.

Jar Reports & Alerts

Weekly percentages vs. target plus alerts at customizable thresholds to prevent overshoot and surprise bills.

Connect accounts or track manually-Onu adapts. See where money goes, enforce healthy ratios, and get practical recommendations to reduce waste. You stay proactive, not reactive.

Investment Insights

Unify balances and holdings, understand diversification, and spot hidden drags like fees.

Portfolio Overview

Balances and holdings across custodians-connected or entered manually-with a clean, unified view.

Performance Summary

Simple gains/losses over a selected period and a trendline that tells a clear story.

Diversification Snapshot

Breakdown by asset type-stocks, bonds, ETFs, crypto, and more-so risk is never a mystery.

Fees compound against you. Onu flags expense ratios and advisory layers that quietly tax returns, then suggests practical alternatives to keep more of what you earn.

Liability Management

See debts, interest, and payoff timelines in one place-then simulate faster paths to zero.

Debt Overview

Balances, APRs, and due dates for loans, cards, and mortgages. One screen, no hunting.

Interest Cost Tracker

YTD interest and projected annual cost at current pace-know the drag in dollars.

Payoff Timeline

See time to debt-free and run what-if scenarios for extra payments or snowball strategies.

Turn anxiety into a plan. Onu clarifies the cost of waiting and shows the payoff from small, consistent changes. Confidence comes from visibility and control.