Building Financial Confidence Through Understanding
We started panovioris because too many people felt overwhelmed by financial decisions. Our mission is simple: make finance tools accessible and educational, so you can take control of your financial future with confidence and clarity.

Our Journey
From a small team with big ideas to a trusted resource for thousands of Australians making important financial decisions.
The Beginning
Started with a simple observation: most financial tools were either too complicated or too basic. We wanted to create something that actually helped people understand their options, not just calculate numbers.
First Major Milestone
Launched our comprehensive budgeting suite after two years of testing with real families. The feedback was incredible – people finally felt like they understood where their money was going.
Educational Focus
Expanded beyond tools to include educational resources. We realized that giving people calculators wasn't enough – they needed to understand the reasoning behind financial decisions.
Today
We've helped over 15,000 Australians make more informed financial decisions. From first-time home buyers to small business owners, our tools and guidance continue to evolve based on real user needs.

Rebecca Chen
The People Behind panovioris
We're not your typical fintech company. Our team combines financial expertise with genuine empathy for the challenges people face when managing money. Every tool we build starts with a real problem we've encountered.
What sets us apart is our commitment to education over selling. We'd rather spend time explaining why a particular approach might work for your situation than pushing you toward a quick solution.
Transparency First
No hidden fees, no confusing terms. We explain everything in plain English and show you exactly how our tools work.
Real-World Focus
Our tools are built for actual Australian households, with real income ranges, expenses, and financial goals in mind.
Education Over Sales
We measure success by how well-informed our users become, not by how many products they buy.
Continuous Learning
We regularly update our tools based on user feedback and changing financial landscapes across Australia.
How We Approach Financial Education
Our methodology focuses on building understanding step by step, rather than overwhelming you with complex calculations from the start.

Start With Your Current Situation
We help you get a clear picture of where you stand financially right now. No judgment, just honest assessment using tools that actually reflect how Australians live and spend money.
Identify What Matters Most
Everyone's financial goals are different. We help you figure out what's realistic for your situation and timeline, whether that's buying a home, starting a business, or planning for retirement.
Build Understanding Through Practice
Our tools let you experiment with different scenarios safely. See how various decisions might play out over time, so you can make informed choices with confidence.
Provide Ongoing Support
Financial situations change, and so should your strategies. We offer resources and updates that grow with your needs, helping you adapt as life circumstances evolve.