This product was not featured by Product Hunt yet. It will not be visible on their landing page and won't be ranked (cannot win product of the day regardless of upvotes).
IOWII splits shared expenses, tracks who owes whom, and keeps shared savings goals visible to everyone, while each person's own accounts stay private. Budgets, forecasts and a debt planner included. Free plan, no card.
I live in Portugal, work full time as a QA Lead for a UK-based company, and I'm a husband and dad to a 2-year-old French bulldog and I've always liked building things for my own use.
I've always struggled to keep my finances organised: knowing what I have and what's left to spend. I tried a few apps and, after a while, none of them felt like mine, especially for money shared in a household. AI tools finally let me build the one I wanted without spending a fortune, so I did.
Most apps for shared money do one of two things. They split bills and nothing else, or they want every account in one place. If you live with a partner, family or housemates, neither fits: you want to share the house costs and a holiday fund, not your whole financial life.
IOWII is built around that line. You create a Group for the thing you share, and everything outside it stays yours.
What you can do today:
Split expenses in a Group: equal, exact, percentage or shares
See who owes whom and record settlements
Save toward shared goals and see each person's contribution
On your own side: budgets per category, scheduled items with a 30/60/90-day forecast, a debt payoff planner (Avalanche vs Snowball) and net worth
Import bank statements (PDF or CSV)
On paid plans: AI categorisation, and insights and a dedicated AI assistant that knows you.
Where the app stands. IOWII is in beta. It is not a bank and it doesn't move money; it tracks and coordinates. It's built in Portugal, so Portuguese is a first-class language, but English is also available and fully supported.
Pricing. There's a free plan with no card and no time limit. Paid plans start at €4.99/month with a 30-day free trial, and you're charged only when the trial ends.
No comment highlights available yet. Please check back later!
About IOWII on Product Hunt
“Manage money together without sharing everything”
IOWII was submitted on Product Hunt and earned 2 upvotes and 1 comments, placing #149 on the daily leaderboard. IOWII splits shared expenses, tracks who owes whom, and keeps shared savings goals visible to everyone, while each person's own accounts stay private. Budgets, forecasts and a debt planner included. Free plan, no card.
IOWII was featured in Fintech (47.6k followers), Personal Finance (3k followers) and Budgeting (1.1k followers) on Product Hunt. Together, these topics include over 27.3k products, making this a competitive space to launch in.
Who hunted IOWII?
IOWII was hunted by Wilker Augusto. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
Want to see how IOWII stacked up against nearby launches in real time? Check out the live launch dashboard for upvote speed charts, proximity comparisons, and more analytics.
Wilker Augusto
Hi everyone, I'm Wilker, and I built IOWII.
I live in Portugal, work full time as a QA Lead for a UK-based company, and I'm a husband and dad to a 2-year-old French bulldog and I've always liked building things for my own use.
I've always struggled to keep my finances organised: knowing what I have and what's left to spend. I tried a few apps and, after a while, none of them felt like mine, especially for money shared in a household. AI tools finally let me build the one I wanted without spending a fortune, so I did.
Most apps for shared money do one of two things. They split bills and nothing else, or they want every account in one place. If you live with a partner, family or housemates, neither fits: you want to share the house costs and a holiday fund, not your whole financial life.
IOWII is built around that line. You create a Group for the thing you share, and everything outside it stays yours.
What you can do today:
Split expenses in a Group: equal, exact, percentage or shares
See who owes whom and record settlements
Save toward shared goals and see each person's contribution
On your own side: budgets per category, scheduled items with a 30/60/90-day forecast, a debt payoff planner (Avalanche vs Snowball) and net worth
Import bank statements (PDF or CSV)
On paid plans: AI categorisation, and insights and a dedicated AI assistant that knows you.
Where the app stands. IOWII is in beta. It is not a bank and it doesn't move money; it tracks and coordinates. It's built in Portugal, so Portuguese is a first-class language, but English is also available and fully supported.
Pricing. There's a free plan with no card and no time limit. Paid plans start at €4.99/month with a 30-day free trial, and you're charged only when the trial ends.
You can try the demo on the homepage without an account. The direct link is this one: https://iowii.com/dashboard?demo=1
I'd love your honest take on two things:
Where the Group flow feels confusing.
What's missing before you'd use it with your own household or friends.
I'll be here everyday and answer every comment. So don't be shy :D and thanks in advance!