The roadmap, out in the open.

Sign-up, sign-in, password reset and profile repair are working in the current internal build.

Merchant normalisation, duplicate removal, transfer and card-payment pairing, refund matching.

Search by merchant, category or note; filter by category.

Category breakdowns, month-over-month comparison and a spending forecast.

Recurring charges found in the ledger, with a confidence level and a price-increase check.

Derived from real patterns in the ledger, ranked, and explainable.

Charges well outside your own pattern are flagged with the reason.

"Can I afford this?" is answered against forecast cash, not a rule of thumb.

Signing out clears financial state from the device, and account information stays tied to the person who owns it.

iizu calculates every financial fact before OpenAI helps express it naturally. Answers cannot invent numbers, give regulated advice, or claim to take financial actions.

Private-preview builds can open Plaid Link on iOS, Android and web, synchronize authorized transactions and balances, refresh accounts, and disconnect read-only connections. Demo mode never contacts Plaid.

People can choose which checking, savings and card accounts are included. The selection persists and is shared across balances, transactions, spending analysis, subscriptions, alerts, assistant answers and net worth.

Recurring bills are detected separately from optional subscriptions. On supported native builds, people can enable individual reminders and receive a device notification before the expected due date.

Important and notable spending findings can be delivered as permission-controlled device notifications on supported native builds. Duplicate delivery is prevented, and tapping an alert opens the relevant screen.

People can create, update and remove monthly category budgets. iizu calculates spending, remaining allowance, progress and overspending from the accounts currently selected. A budget is saved to the account, so it survives a reinstall and follows you to a second device.

People can create savings goals with a target amount, recorded progress and an optional target date. iizu shows progress and required pace without pretending to move money or automatically count an account balance toward a goal. Goals are saved to the account rather than the handset.

iizu calculates assets minus liabilities across the selected accounts. Missing balances and multiple currencies are handled explicitly instead of being silently combined.

The tab bar and navigation bars are the platform's real controls rather than lookalikes drawn in JavaScript, so on iOS 26 they carry Liquid Glass, large titles that collapse as you scroll, and the back gesture, without the app imitating any of it.

Every screen is finished in both, including the system bars around them. iizu follows the device by default and can be pinned to one appearance instead, and that choice is saved to the account rather than to the handset.

Eleven short lessons include clear objectives, practical explanations, knowledge checks and saved progress.

Four recommended paths move from money foundations and earning to credit, growth and living independently. Nothing is locked.

Build a flexible plan from take-home income, required costs, goals and spending that still leaves room for real life.

Start with a manageable buffer, decide what counts as an emergency and grow it without an all-or-nothing target.

Understand what credit reports and scores measure, how card use can affect them and why iizu never guesses a score.

Read gross pay, net pay, withholding and common deductions, with clear reminders that local rules vary.

Compare the full offer: likely hours, take-home pay, schedule, benefits, commute and equipment costs.

Price the whole job, keep simple records and prepare for uneven income, taxes and slower months.

Compare principal, interest, fees and minimums, then choose a payoff approach without shame or false certainty.

Understand premiums, deductibles, limits and exclusions before deciding what protection fits a real situation.

Look beyond the advertised rent or mortgage to deposits, utilities, upkeep, insurance, fees and the written agreement.

See how time and consistency affect growth while keeping risk, fees and uncertain returns visible.

Notice triggers, defaults and rising expectations without treating a spending category as a moral score.

Ask in your own words and iizu points to the most relevant lesson with a concise plain-language answer.

Off by default. When explicitly enabled, examples use only summarized totals or patterns from the accounts currently selected.

Only if a properly licensed market-data source is in place. Until then the Lab would run on clearly labelled demonstration prices.