Know exactly where your money stands
Track every account your household owns, budget the month, and project the years ahead — in one calm, private place. No bank logins, no ads, no tracking.
Net worth · Budget · Retirement plan · Insurance & estate · Lessons
One app, the whole picture
It started as a net worth tracker. It now answers the four questions that follow: where does the month go, when can we stop working, what happens if something goes wrong, and what does any of this mean?
Your total, a monthly trend chart, milestones as you pass them, and savings goals with the pace you'd need to hit them.
Checking, brokerage, 401(k), Roth, HSA, 529, real estate, loans — every account type side by side, one balance a month.
Paychecks, bills and contributions at the frequency they actually arrive — and what's genuinely left over at the end of the month.
Build scenarios, move the retirement age, add college and cars, and see the FIRE date, the money-runs-out year, and the odds.
Emergency fund, life, disability and umbrella coverage sized from your own figures, next to a checklist that comes due for a re-check every year.
Debt, retirement, investing, insurance, estate and more — short reads for the questions that come up along the way.
An optional AI assistant that answers against your recorded balances and budget — using an OpenAI key you supply and control.
Invite a partner or spouse so you're always looking at the same numbers — and export the lot to a spreadsheet whenever you like.
A closer look
Where does the month actually go?
Balances tell you what happened after it happened. The budget tells you what's supposed to happen — every paycheck, bill, contribution and transfer, at the frequency it really lands.
- Enter the quarterly water bill as $180.00 quarterly, not $60 a month, so it still matches the bill.
- Payroll deductions like a 401(k) are kept apart from take-home spending, so "left over" means left over.
- Set a savings target as a percentage of gross and see how the month measures against it.
- A bill schedule lays the month out by day, so you know what's due before payday.
When can we actually stop?
Build a scenario — retirement age, spending, savings, return and inflation assumptions — and the projection runs year by year from your latest balances, grouped into taxable, traditional, Roth, HSA and 529 buckets.
- FIRE, Coast FIRE and Barista FIRE dates, plus the year the money would run out.
- Planned costs — college, a kid's first car, a wedding — dated from your children's birth years.
- Social Security with a claiming-age adjustment, and a rule-of-55 bridge check for retiring early.
- A likelihood percentage from 500 simulated runs, so one tidy line isn't the whole story.
Projections are estimates, not advice. We publish exactly what the model simplifies away in How the projections work.
A second opinion on your own figures
Ask is an optional chat screen that answers questions against the data you've already recorded — balances, the annual summary, your goals and your budget — and can draw on the Learn lessons to explain the reasoning.
- Off unless you turn it on: you supply your own OpenAI API key, stored encrypted and never shown again.
- Remove the key and the Ask screen disappears with it. Nothing else in the app talks to an AI provider.
- Answers are built from the figures on your own screens, so you can check any of them against the page they came from.
Answers are general information, not personalized financial advice — and like anything from a language model, worth checking.
Up and running in minutes
Start your free 30 days
Enter your email — that's it. No password, no credit card. A one-time login code lands in your inbox.
Add your accounts
Name each account (e.g. "Vanguard Roth IRA") and pick a type. Takes about 30 seconds per account.
Enter balances once a month
Use the balance entry screen to log current values. One form, all accounts, done in under a minute.
Add the budget when you're ready
Paychecks and recurring bills turn the trend line into an explanation: what you intend to save, next to what your balances actually did.
Look ahead
Sketch a retirement scenario, close the gaps on the Protect checklist, and watch the history chart do the rest.
Private by design
A lot of planning, and still only a few numbers a month from you.
No bank connections
No bank login, no access to your accounts, nothing to clean up if you leave. You type the balances.
Passwordless sign-in
A one-time code by email, or a passkey using your fingerprint, face or device PIN.
Your data, exportable
Download everything as a spreadsheet any time — accounts, monthly history and budget.
One price, once a year
$48.00
$48 a year, or about $4 a month. Everyone in your household is included.
Your first 30 days are free, and we don't ask for a card to start. There are no tiers, no add-ons and nothing else to buy.
Cancel whenever you like and you keep the year you paid for. If you stop subscribing your figures stay put and stay downloadable as a spreadsheet — we don't hold your financial history hostage.
Ready to take control?
Join households already tracking their net worth. Free for 30 days, then $48.00 a year — and it takes about two minutes to set up.
Start your free 30 days