By securely connecting a bank account, users can view income, expenses and regular costs in one place, alongside monthly summaries, forecasts, spending comparisons and guidance based on the 50/30/20 budgeting rule. The platform also offers financial challenges that encourage users to build better habits, earn stars and strengthen their financial profile over time.

For people facing a temporary shortfall, saldomio lets them check which loan options may fit their circumstances. Its assessment considers not only income and expenses but also broader financial information and habits, with the stated aim of evaluating financing responsibly. The company emphasizes clear costs and conditions, without hidden fees. Users can register for free and access the platform’s features through a Pro plan listed at €12.50 per month. Overall, saldomio combines money-management tools, habit-building features and access to potential loans in a single service focused on greater financial awareness and control.