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Savings, written as a promise

An IOU to your future self.

You already know how to pay everyone else. iomi turns a savings goal into an IOU with a simple payment schedule — so the commitment to your future self feels just as real.

Write your first IOUTry the calculator
  • No bank connection
  • You record progress
  • You stay in control

How it works

  1. 01

    Write the IOU

    Name the goal, set the amount, and note anything you've already saved.

  2. 02

    Set the payoff plan

    Pick a date to reach it by, or an amount you can pay each time. iomi builds the schedule.

  3. 03

    Pay yourself back

    Log each payment as you make it. The balance drops, the progress bar fills, the IOU closes.

You stay in complete control

iomi is a planning and tracking tool. Your money stays exactly where you keep it — in your own accounts, under your own control. We never have access to your funds.

iomi is not a bank, lender, or money transmitter. iomi never holds, moves, or verifies your money.

Amounts shown are self-reported by you. iomi does not connect to your bank and cannot confirm balances.

This is a savings plan you make with yourself. There is no loan, no interest charged, and no credit impact. 'Late fees' and due dates are incorporated as motivational tools, and iomi generates no fees or consequences from them.

For everything you’re working toward.

Practical guidance for planning the cost, setting your pace, and making it happen.

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