For households and businesses that want complete confidence in their finances, Ratio° transforms fragmented financial data into a trusted, statement-backed source of truth. Unlike spreadsheets, disconnected apps and traditional finance software, Ratio° creates a canonical financial ledger that powers deterministic insights today and intelligent AI workflows tomorrow.
Ratio° replaces fragmented workflows with one trusted financial workspace that is built for traceability first, and intelligence second.
Each workflow compounds from the same system of record, so imports, search, analytics, and AI all reinforce one another.
Import statements from supported banks and accounting platforms with preview, validation and duplicate detection before anything reaches your ledger.
Search, filters, categories, merchants and statement lineage keep the full record accessible without losing traceability.
See balances, cash flow, recurring payments, trends and monthly comparisons through deterministic analytics built directly from your financial records.
The system is intentionally sequential: source data comes first, trusted structure second, insight and automation last.
Bring in source files from banks and accounting platforms with validation before data reaches the ledger.
Normalize transactions, balances, merchants and categories into one statement-backed financial system.
Generate deterministic dashboards, reviews, trends and reconciled history from one trusted source.
Layer chat, recommendations and future automations on top of financial data you can actually trust.
Which recurring costs increased this month, and can you link them back to the original statements?
Draft a monthly review note, flag the renewals, and prepare three entries for category confirmation.
Most financial software is designed around dashboards. Ratio° is designed around trusted financial data. Every feature begins with a canonical ledger that keeps your financial history consistent, auditable, and ready for whatever comes next.
Ratio° starts with personal and business operators who need clarity today and a durable system they can keep growing into.
Start with 30 days free, keep your data statement-backed, and scale only when your workspace needs more room. All prices are in Australian dollars.
Choose your rhythm
Start with 30 days free. Annual billing keeps two months in your pocket.
For your whole financial life
Bring personal and business money into one calm, statement-backed workspace.
Save A$38 over monthly · 30 days free · All prices in AUD
Founding lifetime
One payment, core updates included
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A first-time visitor should understand what Ratio° is, why it is different, and why it deserves trust without needing a sales call.