Skip to main content
Now on the App Store · Google Play

Net-worth tracker for high-net-worth householdsSee your wealth.Shape your future.

Every account, entity and tax position in one cited picture. AURA flags the opportunities and deadlines before they pass.

Or download the app

Download Formation on the App StoreGet Formation on Google Play

Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay

No charge for 7 days · Cancel anytime · Read-only — we never move money

The Formation app on Android, showing AURA on a sample household: an ask bar, the note that AURA explains and gives no personalized advice, and three flagged scenarios — $191k of idle cash above a 6-month buffer that could earn roughly $8k a year at 4% APY, VTI at 26% of a $2.0M public portfolio, and a $5k unrealized loss on BND available to harvest
The Formation mobile app on iPhone, showing a sample household's net worth of $3,839,910 with a $44k 30-day gain, assets of $4,976,150 against $1,136,240 of liabilities, a 12-month trend up $480k, and the account tree below it: Cash & equivalents $252k (Chase Joint Checking $42,300, Ally High-Yield Savings $210,000) and Retirement & tax-advantaged $1.3M
12,000+Institutions linkedread-only
Every numberCited to its sourceno black boxes
Cross-custodianWash-sale-aware TLHacross brokerages
By entityTrust · LLC · jointnot one big pile
On the desktop

The whole picture, on one screen

Every account, entity and tax position — organized by owner, cited to its source, with AURA's findings alongside them. This is the real dashboard on a sample household.

12,000+ banks, brokerages, and custodians — linked read-only through Plaid

How the connection works

We never see your passwords and can't move money. Logos are trademarks of their owners; shown to indicate aggregator coverage, not endorsement.

The product, not promises

Your problems, on screen

No mockups, no concept art — real captures of shipped features, and a real AURA conversation retyped so you can actually read it. Same question, same streamed answer, same cited numbers. Each panel opens the live demo.

AURA

Your financial co-pilot. Ask it to lower your tax bill.

That's a real conversation: AURA reads the household's whole graph — every account, entity, lot, and grant — runs the same engines the dashboard runs, and shows its work. Five-figure harvestable losses, the wash sale that would void one, this year's savings — every number cited to its source. Education you take to your CPA: AURA never executes and never sells.

  • Shows the analyses it ran — the work is on screen, not behind a curtain

  • Every figure cited — sourced · computed · estimated

  • Scenarios end in a trade list you review — never auto-executed

How the citation system works
Proactive intelligence

It flags the move before the window closes.

You shouldn't have to ask. Formation watches the whole picture unprompted — harvestable losses, charitable bunching, backdoor Roth room, idle cash, capital calls — and sizes each one in dollars, biggest first. Turn any card over and the math is right there.

  • Found money, sized and cited — not a generic checklist

  • The back of every card shows its work — inputs, brackets, formulas

  • Every flag ends in a scenario you review — AURA proposes, never executes

Balance Sheet

“What does the trust actually hold?” shouldn't take a weekend.

Every app you've tried flattens the trust, the joint accounts, and the rental into one pile. Formation groups every account by the entity that owns it and rolls it all into one statement you can audit — composition, ledger, and the health reads a CPA would compute, on one screen.

  • Net worth by entity — trust · LLC · joint · personal

  • A real two-sided statement across every custodian, footing to one number

  • Every figure badged: sourced · calculated · estimated

The multi-entity tracker, in depth
Tax-loss harvesting

A loss at Schwab, a re-buy in the 401(k) — caught.

Wash sales hide in the gaps between brokerages — including spousal 401(k)s and the IRAs single-custodian tools never see. Formation scans every tax lot across every account per IRS §1091, prices each candidate at your actual LTCG + state + NIIT stack, and grades what you can act on today.

  • Every candidate graded: clear · risk · blocked

  • Savings priced against gains you've already booked this year

  • Conservative replacement map — no vetted pair, no suggestion

Cross-custodian TLH, in depth
Fees

Your funds have a price tag. You've never seen it.

Expense ratios don't show up on a statement — they compound against you quietly, for decades. Formation weighs every fund you hold, prices the drag in dollars per year and over 30 years, and shows which account is hiding the expensive ones. Informational, never a push to trade.

  • Weighted expense ratio and annual fees, in dollars

  • The 30-year cost of doing nothing, compounded

  • Per-account attribution with low-cost equivalents to discuss

Plan

“Are we going to be fine?” deserves better than a gut feeling.

Formation runs 5,000 Monte Carlo paths on your real numbers — spending, goals, drawdown — and shows the probability of success, the downside band, and the age work becomes optional. Labeled as modeling, never a prediction.

  • Probability of success with the downside band shown

  • The age work becomes optional, on your real spend

  • Goals and life events, funded or flagged

Real numbers from the live demo’s sample household — tap any panel to .

Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay · 7-day free trial

Capabilities

Everything your household needs. Nothing it doesn’t

Nine areas, one dashboard, every figure traced to its source. Formation tracks, shows, models, and flags; it does not execute, move money, or give advice.

AURA

AURA guides you

Proprietary AI grounded in your real financial graph — every number cited, every scenario yours to review.

  • Voice + text over your own accounts

  • Sourced · computed · estimated, always labeled

Complexity

Built for real structure

Trusts, LLCs, equity comp, private funds, many custodians, multi-state tax — modeled, not flattened.

  • Net worth grouped by the entity that owns it

  • K-1s, QSBS clocks and AMT windows tracked

Shared

Shared and connected

Household members and the professionals you choose each get their own sign-in — you decide who sees what.

  • Per-account visibility controls

  • Your CPA works from the same cited picture

AURAHouseholdBalance SheetCashflowInvestmentsPlanEquity CompTaxWealth Transfer
The full capability map
Everywhere you work

On the desk. In the pocket.

The same accounts, entities and cited figures on a laptop and on the phone in your hand — not a full product and a companion app that shows you a balance.

Formation's Balance Sheet on a sample household: total net worth $3,507,240 with a CALC badge, the account register organized by class down the left, and a year-to-date net-worth trend chart showing +$181,160.
Formation's Investments page on a sample household: portfolio value $1,796,178 with an SRC badge, a +30.26% time-weighted return against benchmarks, and a year-to-date performance chart.
Formation's AURA page on a sample household: the assistant's findings across open decisions, each one cited to the account it came from.

Real captures of the real products, running on sample households — the figures are illustrative, and the laptop and phone show different sample households.

From early members

In their words.

Very impressed with the quality content and highly intuitive nature of Formation's platform. Gets to the point quickly, making for a very efficient use of your time.
RRetiree
It’s rare to find a financial program that is both comprehensive and easy to stick with, but Formation Money nails it. It cuts through the noise and provides incredibly practical, step-by-step tools that keep you accountable without feeling overwhelming. If you want to stop guessing and start making real, structured progress with your money, definitely give it a look.
FFinancial Advisor
Security

Your data stays yours.

Our security approach

Read-only access

Linked via Plaid — we never see passwords or move money

AES-256 at rest

TLS 1.2+ encryption in transit

Two-factor required

A second factor on every account, within the first week

Spouse-private

Per-account visibility controls keep data separate

Payments by Stripe

Your card never touches our servers

Yours to take

Export as JSON or delete your account — any time

Built on infrastructure you already trust

Plaid · Anthropic · Stripe · Supabase

FAQ

The questions worth asking first

Short answers to what households ask before trusting a tool with their whole financial picture. The long answers live in the full FAQ.

The six questions households ask most before connecting a single account. Every answer here is the short version.

The full FAQHow citations workSecurity & privacy

Individuals, families, and households who want to get financially organized — with real complexity underneath: typically eight or more accounts across multiple custodians, with trusts, LLCs, K-1s, equity comp, and multi-state taxes. Fully self-directed or open to working with professionals — either way, you stay in command of your own picture. If your net worth lives in five different logins, it's built for you, on web and mobile.

Still have questions?

Ask before you connect a single account.

Multiple entities, an unusual custodian, a K-1 situation you’re not sure we handle — send it over and we’ll tell you straight whether Formation fits.

Contact us
Guides

Latest insights

How to run a complex household's money — entities, equity comp, and multi-custodian tax, explained properly.

All guides
8 min readJul 24, 2026

How to choose a net-worth dashboard for a complex household

The nine criteria that separate a real net-worth dashboard from a budgeting app once your balance sheet spans multiple custodians, a trust or LLC, and equity comp — and the questions to ask before you connect a single account.

Read the guide
9 min readJul 24, 2026

How to manage multi-entity household finances yourself

A working system for running a household that spans a trust, an LLC, joint accounts, and private funds — entity mapping, one balance sheet per owner, K-1 and capital-call season, and what to hand your CPA.

Read the guide
8 min readJul 24, 2026

Do you really need a financial advisor? An honest framework

A straight answer to whether you need a financial advisor: what the decision actually turns on (complexity, time, temperament), what advisors genuinely add, when self-directed works, and how to be well-organized either way.

Read the guide

Bring your own
household next.

You just saw it run on a sample household. Create your account and lock the founding price for as long as you stay — your membership starts with a 7-day free trial.

Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay · 7-day free trial

See your wealth. Shape your future.

Cornerstone · free weekly

Not ready to connect accounts yet? Start with the newsletter.

One wealth-building strategy per issue, explained properly, with the numbers. For households who run their own money. Free.

Education, not advice. No spam, unsubscribe anytime.