🔴Private Beta: Only 43 spots left to try Kibo this month.
Zero Friction. Zero Apps.

Your Private Financial Assistant on WhatsApp.

Don't take notes, don't calculate, drop the spreadsheets. Send an audio or a picture. We audit, split bills, and track your wealth.
Leave it to Kibo.

Start your 14-Day Trial

Bank-grade privacy. Cancel anytime.

Kibo CFO

Online
🎤 Audio (0:04)
"Filled up the tank, it was 40 bucks."10:42 ✓✓
Logged in Transport 🚗.

You've used 80% of your budget this month. You have $120 left..10:42
Dinner yesterday was 100 bucks. Split it between Carlos, Ana, and me.10:45 ✓✓
Done. It's $33.33 per person. 💸

Tap here to send them a friendly payment link.10:46
Message...

World-class technological infrastructure powered by

WhatsApp

Stripe

Meta

AES-256

The Spreadsheet is dead.
Welcome to Immediate Action.

Traditional apps force you to do the manual work of sorting and calculating. Kibo outsources it. No confusing guilt-tripping charts, just clear and assertive answers.

Immediate Logging

Send a voice note or a picture of your receipt. Kibo transcribes, categorizes, and updates your balance in real-time. Zero friction.

KiboSplit

Split bills instantly. Just tell Kibo the total amount and who to share it with; it does the exact math and gives you a link ready to forward on WhatsApp. Zero friction, zero calculations.

Advanced

Wealth Tracking

Stocks, Crypto, Credit Cards. Kibo consolidates your scattered net worth. Update your investments with a simple text message.

Executive Reports

Ask for your monthly report. Kibo will send a clean, corporate PDF directly to your chat, ready for your accountant.

Private Vault

WhatsApp is where the action happens. The Vault is where you take control.

Meet the Mega Dashboard. A financial terminal designed with zero friction, where artificial intelligence consolidates your wealth, projects your expenses, and settles your debts in real-time.

Explore the Command Center

The assistant that pays for itself.

Forget late payment penalties. Tell Kibo when your credit cards or bills are due and receive proactive reminders directly on WhatsApp. By avoiding just one late fee, Kibo pays for itself for several months. You relax, we remember for you.

Kibo

Virtual assistant

Scheduled Reminder

Today is the due date for your Credit Card for $450.00.
Usual account: Debit •••• 1234.

Shall I log this transaction in your vault?

10:00 AM

Absolute Privacy. Zero Sensitive Data.

We operate under military-grade encryption standards (AES-256). To use Kibo, we only register your nickname and WhatsApp number. We will never ask for bank account or credit card numbers; all your transactions are logged using names and references you choose. We do not store compromising information, and what exists is strictly safeguarded in our vault.

Your pocket CFO, with an accessible premium model.

Try it free for 14 days. No hidden fees. Absolute privacy.

Kibo Solo

Perfect for the single professional.

$6.99USD / month

Billed monthly

  • Personal budget tracking
  • Voice and photo receipt logging
  • Wealth & Investment Tracking
  • One linked WhatsApp number
Start Free Trial
Most Popular

Kibo Duo

Ideal for couples or roommates. Share the subscription, not your finances.

$10.99USD / month

Billed monthly

  • Everything in the Solo plan, plus:
  • 1 additional linked WhatsApp number
  • 100% private and independent vaults
  • Direct savings vs. two separate plans
Start Free Trial

Latest Articles

Financial education and technology.

Ver todos
How to log your expenses without touching your phone using Kibo and your Meta glasses
2026-08-23•3 min

How to log your expenses without touching your phone using Kibo and your Meta glasses

Discover how to turn your Ray-Ban Meta smart glasses into the ultimate tool for managing your wealth hands-free with zero friction.

Read article
Shared expenses: How to manage money with your partner or roommates without ruining the relationship
2026-08-21•4 min

Shared expenses: How to manage money with your partner or roommates without ruining the relationship

Discover how KiboSplit eliminates the friction of splitting bills, protecting your money and your personal relationships directly from WhatsApp.

Read article
How to track your daily expenses from WhatsApp without downloading apps
2026-08-20•4 min

How to track your daily expenses from WhatsApp without downloading apps

Discover how to beat 'app fatigue' and control your money from the platform you already use every day.

Read article

Why 14 days?

We want you to experience Kibo's magic in your real life. Our 14-day trial is designed to cover two weekends (dinners, outings, split bills) and one payday. If Kibo doesn't save you time and anxiety, cancel with one click.