Connect your accounts once. Kapio maps what comes in, what goes out and what is genuinely yours to spend, then looks 90 days ahead so a tight week never arrives as a surprise.
No spreadsheets, no data entry. Watch the whole thing happen on the phone.
Your business name and email. That is the whole sign up, and it is free.
Approved inside your own bank through open banking. Read only, and your password is never shared.
Income, spending, tax and repayments sorted automatically. Your live picture is ready in seconds.
Track your spending yourself whenever you like, and let Kapio keep an eye on it around the clock. It learns what normal looks like for your business, then alerts you the moment a fee, subscription or supplier cost climbs above it. You never have to go looking.
Kapio alerts you
Watching
You connect your business accounts through open banking. Bank data is shared via illion Open Data Solutions, an Accredited Data Recipient under the Consumer Data Right. Kapio reads that data, it can never move money.
90 days. Kapio uses your actual patterns of income and spending, including the bills and repayments it can already see coming, rather than a generic average.
Yes. Kapio is not accounting software and does not replace either of them. It answers the day to day questions between those conversations, without the jargon.
That is exactly the case it is built for. Kapio learns your own rhythm, including your slow months, and judges what is left after bills against your quieter weeks rather than your best ones.
Connect your business in a couple of minutes and see where you actually stand. Free to get started, and nothing touches your credit file.