Managing family finances
is hard enough.Showing your work
shouldn't be.

Saldo connects to the accounts you manage, documents decisions as you make them, and sends a simple monthly update to your family. You stay focused on the people you're caring for. The record takes care of itself.

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A family gathered together

How it works

Everything in one place.
Nothing falling through the cracks.

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A running record, built as you go.

Every transaction documented at the time it happens — not reconstructed later from memory and bank statements alone.

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Flags what's worth a note.

Large or unusual transactions, substantial cash withdrawals, new or increased payments to caregivers — when something looks like it deserves an explanation, Saldo prompts you to add one. A brief note, or a receipt. Thirty seconds.

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Your family, kept in the loop.

Each month you review the summary, confirm it's accurate, and send it to whoever should see it.

The monthly update

The conversation that never has to happen.

Every month, Saldo compiles a clear summary — account balances, what was spent, where it went, and a note on anything significant. You review it, confirm it's accurate, and send it out.

Most family disputes over finances don't start with wrongdoing. They start with silence. A sibling who wasn't involved starts asking questions. A beneficiary feels left out. An institution asks you to justify a decision you made six months ago in good faith. A clear, consistent record of what happened and why is usually enough to stop that before it starts.
On the cost: The monthly subscription is a legitimate management expense, payable from the account you're managing — not your own. Professional trustees and financial managers use tools like this to serve their clients. Saldo gives you the same infrastructure to care for your loved one.
Saldo
Margaret's finances — March 2026
Prepared by David Chen  ·  April 1, 2026
Opening balance$24,840.00
Memory care facility$3,200.00
Prescriptions$312.47
Groceries & personal$427.80
Utilities$269.73
Closing balance$20,630.00
Noted — March 14

Transferred $2,000 from savings to cover a care deposit increase. Facility sent written notice on March 10. Documentation on file.

Awaiting your review before sending
Sent to 2 family members
Susan C.  ·  Robert C.

A few things worth knowing

Read-only. Always.

Saldo cannot move money or take any action on the accounts. It connects, reads, and documents. Nothing more.

You control the monthly update.

You decide who receives it and when. Nothing goes out until you've reviewed it and confirmed it's accurate.

Export the full record anytime.

The complete record is yours — formatted and exportable in a form your attorney or CPA can use.

No learning curve.

If you've paid a bill online, you can use this. There's no training, no manual, no compliance burden.

Who it's for

For anyone responsible for a family member's finances.

Managing someone else's money is one of the most important things a family member can do — and one of the least supported. You're handling their accounts, making judgment calls, keeping everyone informed, and doing all of it alongside your own life. Saldo is the infrastructure that helps you do this job the way professionals do — without having to become one.

Early access

You were referred here for a reason.

Saldo is working with a small group of families and their attorneys. Leave your email and we'll be in touch within one business day.

Private. Never shared.

Are you an estate planning attorney? See what Saldo does for your practice →