Invite-only · Melbourne

quantOS

Financial clarity, without the noise.

Ariso’s personal finance product. It builds an honest picture from the intentions behind your money — so every decision starts from a number you can trust.

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The Problem

Your spending data is quietly lying to you.

Say $4,812 left your account last month. Of that, $900 was a friend’s share of a holiday you’ll get back, $1,400 was a washing machine you won’t buy again for a decade, and $300 simply moved into your own savings. The total is technically correct and practically useless — and you can’t answer “can I afford this?” from a number you don’t believe.

  • Money you lent counted as money you spent
  • A one-off purchase setting your idea of a normal month
  • Your own transfers inflating both sides of the ledger
  • A trip or an event smeared across three months of categories

quantOS understands the intent behind every dollar.

So every number it shows you is true.

Tell it what a transaction actually was — once, in a second — and everything downstream falls into place: a real baseline, real owings, an honest picture you can decide from.

Inside quantOS

Built around how money actually moves.

A system that keeps up with a real life — the lending, the splitting, the trips, the big one-offs.

Intent, captured

Lent a friend $200. Booked a trip. Bought a couch. Paid from the joint account. Each one gets marked for what it really is, so your everyday baseline stays clean and honest.

Owings that close properly

Money lent, money borrowed, dinners split. quantOS holds a live picture of who owes who — and only clears it when the repayment genuinely lands in your account.

The Flow Plan

Your income across five streams: fixed costs, everyday spending, savings, extra savings, investments. You decide the shape. quantOS shows you how the month really went against it.

The complete picture

Accounts, property, investments, loans and cards together in one place — so your net worth is something you can glance at, not something you rebuild in a spreadsheet twice a year.

A monthly rhythm

Once a month, a few quiet minutes: see what happened, capture what you meant, lock in what you’re putting away. A rhythm you look forward to, not a chore you avoid.

Bring your data, any format

Spreadsheets, CSVs, PDF statements, a photo of a receipt. quantOS reads them, sorts what it can, and only asks you about the things it genuinely can’t work out.

Where We Stand

Your money. Your business.

  • No ads. No data sales. No behavioural mining.

    We’re building value for people, not an audience we sell. That single choice decides almost everything else about how quantOS behaves.

  • Clarity, not advice.

    quantOS returns your own data to you honestly and completely. It will never dress up a flattering number to keep you happy.

  • Australian by design.

    Built in Melbourne, for Australian accounts and institutions, and designed around the way money actually moves here.

  • No guilt, ever.

    You will not be scolded, scored or nudged into shame. quantOS works with you, then gets out of the way so you can live a great life.

Decide with a clear head. Access is invite‑only for now.

See the whole product — how it looks, how it works, what a month inside it feels like — at quantos.com.au.

Go to quantOS Request access

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